ZIP 13804 Foreclosure, Tax-Lien & Distress Report

In Delaware County, New York, ZIP 13804 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 62/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), climate & FEMA risk (80/100), flood (NFIP) exposure (78/100). What sets it apart are the readings on structural risk (62/100), institutional ownership (55/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (27/100) register low.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $132,400, an affordability ratio of 2.2× — accessible. Owners hold 75% of homes, renters 25%. Vacancy runs 47.4%, above the national norm and a classic distress-and-opportunity signal. Around 7% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. Around 4% of renters are cost-burdened. Population is roughly 266 with a median age of 54. Roughly 20.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 208 housing units. Households earn a median $58,056 — below the roughly $78,000 national figure.

On the whole, 13804 leans distressed, with opportunity clustered in specific stressed parcels. While 13804 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 13804 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 13804 stays directly comparable to neighboring ZIPs and the rest of Delaware County, New York. Sparse data for 13804 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 28/100 for 13804 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 13804 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.