ZIP 13731 Foreclosure, Tax-Lien & Distress Report

ZIP code 13731 in Delaware County, New York carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are structural risk (58/100), institutional ownership (56/100), mortgage stress (27/100). On the quiet end sit mortgage stress (27/100) and construction/permit lag (16/100). Structural risk reads 58/100 against active distress of 8/100. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100).

The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 13731 scores 29/100. Roughly 12.8% live below the poverty line. Households earn a median $76,429 — near the roughly $78,000 national figure. Around 32% of adults hold a bachelor's degree or higher. A median home runs $291,300 here, or 3.5 times local income. The tenure split is 87% owner-occupied to 13% rented. Around 18% of renters are cost-burdened. 1,102 residents call 13731 home, typically aged 53. The ZIP holds roughly 1,160 housing units. Vacancy runs 53.0%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 13731 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 13731's 27/100 can be lined up against any neighbor in Delaware County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 13731 reflects the current record instead of a stale or modeled snapshot.

The 27/100 for 13731 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 13731 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.