ZIP 14889 Foreclosure, Tax-Lien & Distress Report

ZIP code 14889 in Chemung County, New York carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. The pressure is most legible in structural risk (26/100), construction/permit lag (25/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100). The split runs 26/100 structural to 1/100 active on the ground.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, 2.2% off the recent peak, at 54/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 84% of homes, renters 16%. Home values center near $147,800, an affordability ratio of 2.2× — accessible. Median household income is $62,063, below the U.S. median near $78,000. Rent burden reaches 25% of tenant households. The ZIP holds roughly 630 housing units. The vacancy rate is 15.3% — elevated. Roughly 12.7% live below the poverty line. DLRadar's demographic-stress index for the area reads 24/100. Population is roughly 1,341 with a median age of 42. About 25% have a four-year degree.

Net-net, 14889 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 14889 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 14889 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in Chemung County, New York and the nation. Sparse data for 14889 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 12/100 figure for 14889 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 14889 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.