ZIP 14819 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 14819 (Steuben County, New York) returns a moderate composite of 32/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100), climate & FEMA risk (76/100), FEMA disaster exposure (60/100). The split runs 73/100 structural to 7/100 active on the ground. The pressure is most legible in construction/permit lag (84/100), structural risk (73/100), institutional ownership (51/100). By contrast, mortgage stress (24/100) register low.

The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $53,750, below the U.S. median near $78,000. About 633 people live here, median age 35. Around 75% of renters are cost-burdened. Vacancy runs 34.6%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 37.2% — high, a tax-stress and distress correlate. 77% of housing is owner-occupied. About 13% have a four-year degree. DLRadar's demographic-stress index for the area reads 39/100. A median home runs $83,800 here, or 1.6 times local income. There are about 333 housing units across 14819.

On the whole, 14819 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 14819 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 14819 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14819 can be compared directly against any other ZIP in Steuben County, New York or nationwide. Where the record is thin for 14819, the field stays empty rather than modeled, and fills in as new documents post.

The 32/100 figure for 14819 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 14819 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.