ZIP 14820 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14820 (Steuben County, New York) returns a moderate composite of 34/100. What sets it apart are the readings on construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). By contrast, mortgage stress (24/100) register low. On the structural side it scores 77/100, with 7/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100)).

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $63,750, median income runs below typical U.S. levels. Vacancy runs 22.7%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 17.4% — high, a tax-stress and distress correlate. Educational attainment sits at 12% bachelor's-or-above. The ZIP holds roughly 294 housing units. Home values center near $128,800, an affordability ratio of 1.9× — accessible. The demographic-stress sub-score lands at 27/100. About 556 people live here, median age 32. Rent burden reaches 31% of tenant households. 82% of housing is owner-occupied.

Taken together, 14820 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 14820 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 14820 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14820 can be compared directly against any other ZIP in Steuben County, New York or nationwide. Sparse data for 14820 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 14820 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 34/100 roll-up. The point of the 14820 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.