ZIP 14821 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 14821 in Steuben County, New York comes in at 34, a moderate composite-distress reading. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100)). The pressure is most legible in construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). mortgage stress (24/100) stay muted. Structural risk reads 77/100 against active distress of 7/100.

The market reads peak — home values rose 4.9% year on year, and 24% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $140,700, an affordability ratio of 1.7× — accessible. The ZIP holds roughly 1,333 housing units. About 3,015 people live here, median age 46. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. 86% of housing is owner-occupied. Around 16% of adults hold a bachelor's degree or higher. Median household income is $76,830, near the U.S. median near $78,000. Rent burden reaches 52% of tenant households. 12.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 28/100.

On the whole, 14821 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 14821 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 14821 read uses the identical public-record model applied coast to coast, which means its 34/100 score means exactly what it means anywhere else, and 14821 stays directly comparable to neighboring ZIPs and the rest of Steuben County, New York. The score is rebuilt from public data as it updates, so 14821 reflects the current record instead of a stale or modeled snapshot.

Behind 14821's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 14821 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.