ZIP 14845 Foreclosure, Tax-Lien & Distress Report

Chemung County, New York's ZIP 14845 registers 12/100 composite distress, which DLRadar reads as minimal. Leading the profile are structural risk (26/100), construction/permit lag (23/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100). Structural exposure scores 26 and live distress 1 on the 0–100 scale.

The peak-phase market in 14845 posted values that rose 4.0% over the year, 2.4% off the recent peak, and 14% higher over three years, at 56/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $186,500, an affordability ratio of 2.4× — accessible. The tenure split is 74% owner-occupied to 26% rented. Population is roughly 20,552 with a median age of 45. Around 38% of renters are cost-burdened. Households earn a median $76,617 — near the roughly $78,000 national figure. The poverty rate is 7.2% — low. Vacancy runs 5.1%. There are about 9,551 housing units across 14845. About 35% have a four-year degree. The demographic-stress sub-score lands at 24/100.

Net-net, 14845 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 14845 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 14845 read uses the identical public-record model applied coast to coast, which means its 12/100 score means exactly what it means anywhere else, and 14845 stays directly comparable to neighboring ZIPs and the rest of Chemung County, New York. The score is rebuilt from public data as it updates, so 14845 reflects the current record instead of a stale or modeled snapshot.

Each component behind 14845 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. For a buyer, 14845 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.