ZIP 14859 Foreclosure, Tax-Lien & Distress Report

ZIP code 14859 in Tioga County, New York carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 35 and live distress 2 on the 0–100 scale. Its standout signals are structural risk (35/100), construction/permit lag (32/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (6/100).

The market reads peak — home values rose 2.7% year on year, 2.1% off the recent peak, at 50/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $90,833, median income runs above typical U.S. levels. About 1,100 people live here, median age 45. About 25% have a four-year degree. 91% of housing is owner-occupied. Around 47% of renters are cost-burdened. Home values center near $125,800, an affordability ratio of 1.6× — accessible. The ZIP holds roughly 401 housing units. The demographic-stress sub-score lands at 24/100. 7.2% of residents fall below the poverty threshold. The vacancy rate is 11.5% — elevated.

On balance, 14859 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 14859 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: 14859 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 14859 shows blanks, not estimates, wherever the record is sparse.

The 16/100 for 14859 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 14859 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.