ZIP 13811 Foreclosure, Tax-Lien & Distress Report

Tioga County, New York's ZIP 13811 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (62/100). Its heaviest discrete signals: structural risk (43/100), construction/permit lag (40/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100). Structural exposure scores 43 and live distress 3 on the 0–100 scale.

Prices here sit in a peak phase: values rose 1.8% over the trailing year, 1.8% off the recent peak, and 26% higher over three years, at 46/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

86% of housing is owner-occupied. A median home runs $131,500 here, or 1.6 times local income. Rent burden reaches 34% of tenant households. The poverty rate is 9.5%. Population is roughly 4,102 with a median age of 46. DLRadar's demographic-stress index for the area reads 22/100. The vacancy rate is 7.4%. Educational attainment sits at 28% bachelor's-or-above. The ZIP holds roughly 1,777 housing units. At $80,900, median income runs near typical U.S. levels.

Overall, 13811 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 13811 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 13811 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13811 can be compared directly against any other ZIP in Tioga County, New York or nationwide. Sparse data for 13811 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 13811'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, 13811 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.