ZIP 14841 Foreclosure, Tax-Lien & Distress Report

ZIP code 14841 in Schuyler County, New York carries a composite property-distress score of 8/100 — a minimal reading on DLRadar's deterministic distress index. Property-level stress concentrates in construction/permit lag (44/100), structural risk (19/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100). Structural exposure scores 19 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.7% year on year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $345,500, an affordability ratio of 4.5×. Owners hold 70% of homes, renters 30%. There are about 508 housing units across 14841. Educational attainment sits at 38% bachelor's-or-above. The demographic-stress sub-score lands at 43/100. Rent burden reaches 87% of tenant households. Population is roughly 827 with a median age of 42. Roughly 21.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 28.9% — elevated. Median household income is $65,921, below the U.S. median near $78,000.

On the whole, 14841 leans distressed, with opportunity clustered in specific stressed parcels. While 14841 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 14841 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 8/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 14841, the field stays empty rather than modeled, and fills in as new documents post.

Behind 14841's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 14841 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.