ZIP 13812 Foreclosure, Tax-Lien & Distress Report

In Tioga County, New York, ZIP 13812 scores 18 of 100 for composite distress, a low level on DLRadar's distress index. The pressure is most legible in structural risk (41/100), construction/permit lag (38/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. The latent-versus-live split is 41/100 structural and 2/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (71/100), climate & FEMA risk (60/100)).

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

Median household income is $74,450, near the U.S. median near $78,000. The ZIP holds roughly 1,010 housing units. About 18% have a four-year degree. Rent burden reaches 18% of tenant households. The typical home is worth about $143,800 (1.8× income, relatively affordable). The demographic-stress sub-score lands at 20/100. 3.1% of residents fall below the poverty threshold. 81% of housing is owner-occupied. The vacancy rate is 8.5%. About 2,313 people live here, median age 42.

Net-net, 13812 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 13812 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 13812 runs through one identical scoring model, so its 18/100 sits on the same scale as every other ZIP in Tioga County, New York and the nation. Nothing here is interpolated — where a source is thin for 13812, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 13812'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, 13812 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.