ZIP 13739 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 13739 (Delaware County, New York) returns a low composite of 27/100. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100). The split runs 58/100 structural to 8/100 active on the ground. The sharpest non-environmental signals are structural risk (58/100), institutional ownership (56/100), mortgage stress (27/100). By contrast, mortgage stress (27/100) and construction/permit lag (16/100) register low.

The expansion-phase market in 13739 posted values that rose 6.0% over the year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $61,719, median income runs below typical U.S. levels. 82% of housing is owner-occupied. 10.7% of residents fall below the poverty threshold. Around 57% of renters are cost-burdened. Home values center near $208,500, an affordability ratio of 2.8× — accessible. On demographic stress specifically, 13739 scores 32/100. Educational attainment sits at 29% bachelor's-or-above. Population is roughly 792 with a median age of 54. Vacancy runs 39.5%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 571 housing units.

On the whole, 13739 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 13739 at the moment; the composite and its components are still built from verifiable records.

Whether 13739 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13739 can be compared directly against any other ZIP in Delaware County, New York or nationwide. The score is rebuilt from public data as it updates, so 13739 reflects the current record instead of a stale or modeled snapshot.

13739's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 13739 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.