ZIP 14823 Foreclosure, Tax-Lien & Distress Report

ZIP code 14823 in Steuben County, New York carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100). The sharpest non-environmental signals are construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). On the quiet end sit mortgage stress (24/100). The split runs 77/100 structural to 7/100 active on the ground.

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.

3,697 residents call 14823 home, typically aged 48. Around 50% of renters are cost-burdened. Home values center near $118,800, an affordability ratio of 1.7× — accessible. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 1,871 housing units. Median household income is $64,614, below the U.S. median near $78,000. The vacancy rate is 22.5% — elevated. Educational attainment sits at 22% bachelor's-or-above. The tenure split is 80% owner-occupied to 20% rented. 10.5% of residents fall below the poverty threshold.

Net-net, 14823 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 14823 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 14823 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. Where the public record is thin for 14823, the field stays empty rather than modeled, and fills in as new documents post.

14823'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, 14823 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.