ZIP 14822 Foreclosure, Tax-Lien & Distress Report

In Allegany County, New York, ZIP 14822 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). Latent structural risk is 50/100 while live distress already moving reads 6/100. The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (50/100), institutional ownership (38/100). institutional ownership (38/100) and mortgage stress (19/100) stay muted.

Prices here sit in a expansion phase: values rose 5.7% over the trailing year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

16.7% of residents fall below the poverty threshold. 826 residents call 14822 home, typically aged 53. The ZIP holds roughly 563 housing units. Vacancy runs 30.2%, above the national norm and a classic distress-and-opportunity signal. Around 17% of adults hold a bachelor's degree or higher. On demographic stress specifically, 14822 scores 27/100. Around 44% of renters are cost-burdened. Home values center near $92,700, an affordability ratio of 1.3× — accessible. Median household income is $64,100, below the U.S. median near $78,000. 86% of housing is owner-occupied.

Net-net, 14822 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.

Because one deterministic model scores every ZIP, 14822's 23/100 can be lined up against any neighbor in Allegany County, New York or any ZIP coast to coast. Sparse data for 14822 shows as blanks, never estimates, and the score updates on every fresh public filing.

14822'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. For an operator, 14822 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.