ZIP 14855 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 14855 (Steuben County, New York) at a moderate 34/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100). The latent-versus-live split is 77/100 structural and 7/100 already moving. The most distinctive pressure shows up in construction/permit lag (88/100), structural risk (77/100), institutional ownership (56/100). On the quiet end sit mortgage stress (24/100).

The peak-phase market in 14855 posted values that rose 4.9% over the year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $71,458, near the U.S. median near $78,000. The demographic-stress sub-score lands at 27/100. The poverty rate is 10.3%. Rent burden reaches 43% of tenant households. About 13% have a four-year degree. Owners hold 82% of homes, renters 18%. Population is roughly 890 with a median age of 33. The typical home is worth about $137,500 (1.6× income, relatively affordable). The vacancy rate is 20.8% — elevated. There are about 374 housing units across 14855.

Taken together, 14855 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 14855 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 14855's 34/100 can be lined up against any neighbor in Steuben County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 14855, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 14855'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. Treat 14855 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.