ZIP 13124 Property Distress & Foreclosure Data

ZIP code 13124 in Chenango County, New York carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (68/100), construction/permit lag (65/100), institutional ownership (56/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (76/100), FEMA disaster exposure (73/100), climate & FEMA risk (71/100). On the structural side it scores 68/100, with 7/100 of stress already active.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $95,625, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 19/100. Around 0% of renters are cost-burdened. The typical home is worth about $195,800 (1.8× income, relatively affordable). The poverty rate is 3.2% — low. Around 20% of adults hold a bachelor's degree or higher. About 95 people live here, median age 56. The vacancy rate is 41.1% — elevated. The ZIP holds roughly 67 housing units. 93% of housing is owner-occupied.

Net-net, 13124 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.