ZIP 13077 Foreclosure, Tax-Lien & Distress Report
Cortland County, New York · Affordable market
DLRadar grades ZIP 13077 (Cortland County, New York) at a low 18/100 for overall property distress. On the structural side it scores 39/100, with 4/100 of stress already active. The most distinctive pressure shows up in structural risk (39/100), institutional ownership (37/100), mortgage stress (13/100). institutional ownership (37/100) and mortgage stress (13/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (62/100)).
The expansion-phase market in 13077 posted values that rose 5.0% over the year, and 24% higher over three years, at 37/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
About 6,567 people live here, median age 49. There are about 3,222 housing units across 13077. A median home runs $171,200 here, or 2.4 times local income. The demographic-stress sub-score lands at 23/100. The vacancy rate is 8.1%. Around 38% of renters are cost-burdened. Median household income is $70,111, near the U.S. median near $78,000. Educational attainment sits at 38% bachelor's-or-above. 78% of housing is owner-occupied. 5.6% of residents fall below the poverty threshold.
Net-net, 13077 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 13077 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 13077, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 figure for 13077 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. Treat 13077 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 13077
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 13077 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Cortland County
Nearest ZIP codes to 13077
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Other reports tied to Cortland County, New York — ZIP, county and statewide.
Unlock the full ZIP 13077 acquisition report
Every distressed parcel in 13077 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.
Rules-based scoring — each signal ties to a public dataset · methodology