ZIP 13732 Foreclosure, Tax-Lien & Distress Report
Tioga County, New York · Affordable market
Composite property distress in 13732 (Tioga County, New York) lands at 18/100 — low on DLRadar's public-record scoring. Structurally it carries 41/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — flood (NFIP) exposure (73/100), climate & FEMA risk (60/100). What sets it apart are the readings on structural risk (41/100), construction/permit lag (36/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.
The market reads peak — home values rose 1.8% year on year, 1.8% off the recent peak, and 28% higher over three years (phase confidence 46/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
86% of housing is owner-occupied. About 35% have a four-year degree. There are about 3,189 housing units across 13732. Median household income is $89,180, above the U.S. median near $78,000. Population is roughly 7,438 with a median age of 44. 8.5% of residents fall below the poverty threshold. The typical home is worth about $192,900 (2.0× income, relatively affordable). On demographic stress specifically, 13732 scores 19/100. Vacancy runs 3.4%. Rent burden reaches 17% of tenant households.
Net-net, 13732 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 13732 at the moment; the composite and its components are still built from verifiable public records.
Whether 13732 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13732 can be compared directly against any other ZIP in Tioga County, New York or nationwide. The score is rebuilt from public data as it updates, so 13732 reflects the current record instead of a stale or modeled snapshot.
The 18/100 for 13732 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 13732 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 13732
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 13732 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 13732, the same set carried on every parcel.
Adjacent Tioga County ZIP reports
Related reports across Tioga County, New York
Further distress data across Tioga County, New York at ZIP, county and state level.
See every distressed parcel in 13732
The full 13732 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology