ZIP 13101 Foreclosure, Tax-Lien & Distress Report

ZIP code 13101 in Cortland County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 49/100 while live distress already moving reads 4/100. It additionally carries heavy environmental risk: FEMA disaster exposure (71/100). Property-level stress concentrates in construction/permit lag (68/100), structural risk (49/100), institutional ownership (34/100). By contrast, institutional ownership (34/100) and mortgage stress (14/100) register low.

The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 2,221 with a median age of 38. Around 26% of renters are cost-burdened. There are about 1,032 housing units across 13101. Educational attainment sits at 16% bachelor's-or-above. Owners hold 77% of homes, renters 23%. The demographic-stress sub-score lands at 23/100. Vacancy runs 3.9%. At $62,670, median income runs below typical U.S. levels. The typical home is worth about $143,700 (2.0× income, relatively affordable). 9.5% of residents fall below the poverty threshold.

Overall, 13101 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 13101 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 13101 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 13101 stays directly comparable to neighboring ZIPs and the rest of Cortland County, New York. Sparse data for 13101 shows as blanks, never estimates, and the score updates on every fresh public filing.

13101's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 13101 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.