ZIP 14861 Foreclosure, Tax-Lien & Distress Report
Chemung County, New York · High Vacancy market
ZIP code 14861 in Chemung County, New York carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. Its standout signals are structural risk (26/100), construction/permit lag (23/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (4/100) stay muted. On the structural side it scores 26/100, with 1/100 of stress already active.
The peak-phase market in 14861 posted values that rose 4.0% over the year, 2.4% off the recent peak, at 56/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The vacancy rate is 12.0% — elevated. The ZIP holds roughly 564 housing units. About 1,356 people live here, median age 53. About 15% have a four-year degree. Rent burden reaches 64% of tenant households. DLRadar's demographic-stress index for the area reads 31/100. Home values center near $149,100, an affordability ratio of 2.4× — accessible. Median household income is $60,000, below the U.S. median near $78,000. Owners hold 81% of homes, renters 19%. Roughly 10.3% live below the poverty line.
On the whole, 14861 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The 14861 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 14861 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 14861 reflects the current record instead of a stale or modeled snapshot.
Each component behind 14861 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. For an operator, 14861 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 14861’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 14861 distress snapshot
The live 14861 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
More ZIPs across Chemung County
More distress data near 14861
Keep going: ZIP, county and state distress coverage for Chemung County, New York.
The complete 14861 distress and acquisition report
See who owns each distressed property in 14861, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology