ZIP 13815 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13815 (Chenango County, New York) at a moderate 30/100 for overall property distress. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (75/100), climate & FEMA risk (71/100)). Its heaviest discrete signals: structural risk (67/100), construction/permit lag (61/100), institutional ownership (54/100). By contrast, mortgage stress (23/100) register low. The split runs 67/100 structural to 7/100 active on the ground.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 18% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal. At $59,757, median income runs below typical U.S. levels. Population is roughly 12,855 with a median age of 44. About 24% have a four-year degree. 66% of housing is owner-occupied. The ZIP holds roughly 6,399 housing units. The typical home is worth about $133,900 (2.1× income, relatively affordable). 13.3% of residents fall below the poverty threshold. Around 33% of renters are cost-burdened. On demographic stress specifically, 13815 scores 27/100.

Taken together, 13815 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 13815 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 13815 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Chenango County, New York and the nation. The score is rebuilt from public data as it updates, so 13815 reflects the current record instead of a stale or modeled snapshot.

13815's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 13815 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.