ZIP 13460 Foreclosure, Tax-Lien & Distress Report

In Chenango County, New York, ZIP 13460 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (80/100), flood (NFIP) exposure (76/100), climate & FEMA risk (71/100). What sets it apart are the readings on structural risk (67/100), construction/permit lag (61/100), institutional ownership (53/100). By contrast, mortgage stress (23/100) register low. Structurally it carries 67/100, against 7/100 of stress already in motion.

The expansion-phase market in 13460 posted values that rose 5.9% over the year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 75% of homes, renters 25%. There are about 1,978 housing units across 13460. Home values center near $149,000, an affordability ratio of 1.9× — accessible. Around 15% of adults hold a bachelor's degree or higher. About 4,286 people live here, median age 37. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $63,316 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 25/100. 8.8% of residents fall below the poverty threshold. Around 30% of renters are cost-burdened.

Net-net, 13460 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 13460 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 13460 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Chenango County, New York and the nation. 13460 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 13460 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. Treat 13460 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.