Cortland County, NY: Foreclosures, Tax Liens & Distressed Properties

Across Cortland County, New York, DLRadar grades every ZIP for foreclosure, mortgage, tax and bank-stress distress. Individual Cortland County ZIPs score between 16 and 31 on the 0–100 composite. DLRadar scores 18 ZIPs here, with a mean composite of 22/100. On bank and credit headwind, Cortland County scores 56/100.

The peak-phase county posted home values that rose 4.9% over twelve months (phase confidence 36/100). On a market plateau, broad sweeps stop paying so screen ZIP by ZIP.

Near the cycle top at +4.9% YoY (36/100 confidence), the wins are surgical and a county-wide sweep stays on the shelf. Mid-range bank stress at 56/100 means both signal sets in play here.

Distress concentrates in ZIP 13862 (31/100), ZIP 13136 (30/100), ZIP 13841 (29/100), ZIP 13040 (24/100), ZIP 13087 (23/100), ZIP 13101 (23/100) — drill into any for the parcel-level read. Further scored ZIPs: 13738, 13784, 13803, 13863, 13835, 13045, 13052, 13053, 13159, 13141.

Underneath the scores, the ZIPs DLRadar tracks across Cortland County report 12.5% of households below the poverty line, typical home values near $159,994, a median household income near $70,206 (near the US norm), vacancy near 21.7%, a median age of 40.6, 81% of homes owner-occupied. Taken together, they signal the supply of motivated sellers and the speed of resale.

All in at 22/100 over 18 ZIPs, distress here is parcel-specific for a disciplined buyer. Subscribers get each Cortland County parcel's owner, APN and address, a distress reading, the lender on title and exit timing.

Because Cortland County, New York is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Cortland County against neighboring markets or the rest of New York on equal footing.

Read Cortland County, New York as a heat map for effort — the county's low composite of 22/100 hides wide ZIP-level variation, and the return comes from chasing the hot ZIPs, not the average. What supports the Cortland County read is documentary: filings from the recorder and courts, federal price and bank data, and blanks wherever coverage is thin.

Drilling in, Cortland County's highest-scoring ZIPs are 13862 (31/100), 13136 (30/100), 13841 (29/100), 13040 (24/100), 13087 (23/100), 13101 (23/100). DLRadar also scores 13738, 13784, 13803, 13863, 13835, 13045, 13052, 13053 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Cortland County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.