ZIP 13838 Foreclosure, Tax-Lien & Distress Report

Delaware County, New York's ZIP 13838 registers 28/100 composite distress, which DLRadar reads as low. Its standout signals are structural risk (61/100), institutional ownership (52/100), construction/permit lag (31/100). On the quiet end sit construction/permit lag (31/100) and mortgage stress (26/100). On the structural side it scores 61/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), FEMA disaster exposure (80/100), flood (NFIP) exposure (74/100).

The market reads expansion — home values rose 5.9% year on year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $51,287, below the U.S. median near $78,000. 21.7% of residents fall below the poverty threshold. There are about 2,171 housing units across 13838. Educational attainment sits at 25% bachelor's-or-above. Rent burden reaches 44% of tenant households. The tenure split is 50% owner-occupied to 50% rented. The vacancy rate is 19.8% — elevated. On demographic stress specifically, 13838 scores 33/100. A median home runs $122,000 here, or 2.3 times local income. About 4,185 people live here, median age 34.

On the whole, 13838 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13838 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 13838's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 13838 reflects the current record instead of a stale or modeled snapshot.

Behind 13838'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. Practically, 13838 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.