ZIP 13801 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13801 (Chenango County, New York) at a low 28/100 for overall property distress. The pressure is most legible in structural risk (64/100), construction/permit lag (62/100), institutional ownership (49/100). By contrast, mortgage stress (23/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (71/100), FEMA disaster exposure (60/100)). Structural exposure scores 64 and live distress 7 on the 0–100 scale.

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

DLRadar's demographic-stress index for the area reads 30/100. Roughly 13.8% live below the poverty line. Households earn a median $66,985 — below the roughly $78,000 national figure. The vacancy rate is 34.4% — elevated. Educational attainment sits at 15% bachelor's-or-above. There are about 1,054 housing units across 13801. Rent burden reaches 44% of tenant households. 86% of housing is owner-occupied. About 1,533 people live here, median age 50. The typical home is worth about $129,300 (2.2× income, relatively affordable).

Net-net, 13801 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 13801 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 13801 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 13801 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 13801'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, 13801 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.