ZIP 13827 Foreclosure, Tax-Lien & Distress Report

Tioga County, New York's ZIP 13827 registers 18/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (41/100), construction/permit lag (36/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (73/100), climate & FEMA risk (60/100). Structural risk reads 41/100 against active distress of 2/100.

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. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 27/100. 17.3% of residents fall below the poverty threshold. The vacancy rate is 6.6%. Rent burden reaches 42% of tenant households. About 29% have a four-year degree. The tenure split is 69% owner-occupied to 31% rented. Median household income is $70,796, near the U.S. median near $78,000. There are about 5,336 housing units across 13827. 11,713 residents call 13827 home, typically aged 43. Home values center near $156,400, an affordability ratio of 2.0× — accessible.

Net-net, 13827 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 13827 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 13827 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 13827 shows as blanks, never estimates, and the score updates on every fresh public filing.

13827'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. Treat 13827 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.