ZIP 13786 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 13786 (Delaware County, New York) returns a low composite of 27/100. 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). Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (73/100). The latent-versus-live split is 58/100 structural and 8/100 already moving.

The expansion-phase market in 13786 posted values that rose 6.0% over the year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $208,600 (2.9× income, relatively affordable). Roughly 13.5% live below the poverty line. Median household income is $50,833, below the U.S. median near $78,000. Around 0% of renters are cost-burdened. 93% of housing is owner-occupied. On demographic stress specifically, 13786 scores 23/100. The ZIP holds roughly 267 housing units. 440 residents call 13786 home, typically aged 43. Around 23% of adults hold a bachelor's degree or higher. The vacancy rate is 31.0% — elevated.

On the whole, 13786 leans distressed, with opportunity clustered in specific stressed parcels. 13786 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 13786 runs through one identical scoring model, so its 27/100 sits on the same scale as every other ZIP in Delaware County, New York and the nation. 13786 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 13786's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 13786 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.