ZIP 14838 Foreclosure, Tax-Lien & Distress Report

In Chemung County, New York, ZIP 14838 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. The most distinctive pressure shows up in structural risk (25/100), construction/permit lag (24/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100). Structurally it carries 25/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 4.1% year on year, 2.3% off the recent peak (phase confidence 55/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 7.4%. The tenure split is 92% owner-occupied to 8% rented. Households earn a median $70,000 — near the roughly $78,000 national figure. The ZIP holds roughly 797 housing units. A median home runs $137,500 here, or 1.9 times local income. The demographic-stress sub-score lands at 18/100. 2,150 residents call 14838 home, typically aged 45. 9.3% of residents fall below the poverty threshold. About 17% have a four-year degree. Rent burden reaches 0% of tenant households.

On balance 14838 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 14838 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 14838 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14838 can be compared directly against any other ZIP in Chemung County, New York or nationwide. Sparse data for 14838 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 12/100 for 14838 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 14838 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.