ZIP 14840 Property Distress & Foreclosure Data

In Steuben County, New York, ZIP 14840 scores 34 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (88/100), structural risk (76/100), institutional ownership (58/100). By contrast, mortgage stress (24/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100), climate & FEMA risk (76/100), FEMA disaster exposure (73/100). On the structural side it scores 76/100, with 7/100 of stress already active.

The market reads expansion — home values rose 6.3% year on year, and 35% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $84,663 — near the roughly $78,000 national figure. The ZIP holds roughly 2,813 housing units. Around 14% of renters are cost-burdened. A median home runs $245,000 here, or 2.6 times local income. The tenure split is 87% owner-occupied to 13% rented. About 2,514 people live here, median age 59. About 37% have a four-year degree. On demographic stress specifically, 14840 scores 24/100. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 56.6% — elevated.

Net-net, 14840 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.