ZIP 13814 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13814 (Chenango County, New York) returns a moderate composite of 30/100. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (75/100), climate & FEMA risk (71/100). On the structural side it scores 67/100, with 0/100 of stress already active. Its heaviest discrete signals: structural risk (67/100), construction/permit lag (61/100), institutional ownership (54/100).

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

28 residents call 13814 home, typically aged 27. The demographic-stress sub-score lands at 18/100. 100% of housing is owner-occupied. Educational attainment sits at 19% bachelor's-or-above. There are about 9 housing units across 13814. The poverty rate is 0.0% — low. The vacancy rate is 0.0%.

Overall, 13814 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 13814 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 13814 stays directly comparable to neighboring ZIPs and the rest of Chenango County, New York. Sparse data for 13814 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 30/100 figure for 13814 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 13814 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.