ZIP 13045 Foreclosure, Tax-Lien & Distress Report

ZIP code 13045 in Cortland County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. On the structural side it scores 37/100, with 4/100 of stress already active. Leading the profile are institutional ownership (37/100), structural risk (37/100), mortgage stress (12/100). By contrast, structural risk (37/100) and mortgage stress (12/100) register low.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 18% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Around 38% of renters are cost-burdened. Educational attainment sits at 30% bachelor's-or-above. Households earn a median $67,028 — below the roughly $78,000 national figure. About 28,388 people live here, median age 32. DLRadar's demographic-stress index for the area reads 29/100. A median home runs $167,500 here, or 2.4 times local income. 15.5% of residents fall below the poverty threshold. 58% of housing is owner-occupied. Vacancy runs 9.5%. The ZIP holds roughly 12,464 housing units.

On balance 13045 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 13045 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 13045 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Cortland County, New York and the nation. Sparse data for 13045 shows as blanks, never estimates, and the score updates on every fresh public filing.

13045's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 13045 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.