ZIP 13778 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13778 (Chenango County, New York) returns a moderate composite of 30/100. The split runs 67/100 structural to 7/100 active on the ground. The most distinctive pressure shows up in structural risk (67/100), construction/permit lag (60/100), institutional ownership (54/100). mortgage stress (23/100) stay muted. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (75/100), climate & FEMA risk (72/100)).

The expansion-phase market in 13778 posted values that rose 5.7% over the year, and 19% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 2,718 housing units across 13778. Households earn a median $67,050 — below the roughly $78,000 national figure. The typical home is worth about $161,800 (2.4× income, relatively affordable). Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. 11.3% of residents fall below the poverty threshold. Rent burden reaches 34% of tenant households. The tenure split is 73% owner-occupied to 27% rented. On demographic stress specifically, 13778 scores 27/100. About 5,139 people live here, median age 42. Around 25% of adults hold a bachelor's degree or higher.

On the whole, 13778 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13778 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 13778's 30/100 can be lined up against any neighbor in Chenango County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 13778 reflects the current record instead of a stale or modeled snapshot.

The 30/100 figure for 13778 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 13778 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.