ZIP 13040 Foreclosure, Tax-Lien & Distress Report
Cortland County, New York · High Vacancy market
Scored on a fixed 0-100 scale, 13040 (Cortland County, New York) returns a low composite of 18/100. Climate and flood risk are elevated too — flood (NFIP) exposure (61/100). Its heaviest discrete signals: institutional ownership (42/100), structural risk (40/100), mortgage stress (15/100). By contrast, mortgage stress (15/100) register low. On the structural side it scores 40/100, with 5/100 of stress already active.
The expansion-phase market in 13040 posted values that rose 5.1% over the year, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
About 2,683 people live here, median age 41. There are about 1,249 housing units across 13040. Owners hold 80% of homes, renters 20%. The vacancy rate is 18.8% — elevated. At $67,049, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 28/100. Around 18% of adults hold a bachelor's degree or higher. 11.8% of residents fall below the poverty threshold. The typical home is worth about $139,200 (1.9× income, relatively affordable). Around 46% of renters are cost-burdened.
On the whole, 13040 leans distressed, with opportunity clustered in specific stressed parcels. While 13040 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: 13040 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 13040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
13040's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 13040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 13040 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 13040 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Cortland County ZIPs near 13040
Nearest ZIP codes to 13040
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Cortland County, New York at ZIP, county and state level.
See every distressed parcel in 13040
Every distressed parcel in 13040 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology