ZIP 14809 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14809 (Steuben County, New York) returns a moderate composite of 34/100. Structural exposure scores 77 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100)). Its heaviest discrete signals: construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). By contrast, mortgage stress (24/100) register low.

The peak-phase market in 14809 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 2,921 with a median age of 35. The vacancy rate is 19.9% — elevated. 75% of housing is owner-occupied. Around 28% of renters are cost-burdened. Home values center near $107,200, an affordability ratio of 1.8× — accessible. The ZIP holds roughly 1,179 housing units. Median household income is $62,868, below the U.S. median near $78,000. About 17% have a four-year degree. 24.1% of residents fall below the poverty threshold. On demographic stress specifically, 14809 scores 28/100.

Net-net, 14809 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 14809 runs through one identical public-record model, so its 34/100 sits on the same scale as every other ZIP in Steuben County, New York and the nation. Nothing here is interpolated — where a source is thin for 14809, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

14809's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 14809 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.