ZIP 14840 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 14840 (Steuben County, New York) at a moderate 34/100 for overall property distress. Leading the profile are construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). mortgage stress (24/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), FEMA disaster exposure (83/100), climate & FEMA risk (76/100). The latent-versus-live split is 77/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 35% higher over three years (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Median household income is $84,663, near the U.S. median near $78,000. There are about 2,813 housing units across 14840. Rent burden reaches 14% of tenant households. Home values center near $245,000, an affordability ratio of 2.6× — accessible. 87% of housing is owner-occupied. 2,514 residents call 14840 home, typically aged 59. Around 37% of adults hold a bachelor's degree or higher. On demographic stress specifically, 14840 scores 24/100. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 56.6%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 14840 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 14840 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 14840 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. The score is rebuilt from public data as it updates, so 14840 reflects the current record instead of a stale or modeled snapshot.

14840's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 14840 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.