ZIP 13844 Foreclosure, Tax-Lien & Distress Report

Chenango County, New York's ZIP 13844 registers 28/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100), climate & FEMA risk (71/100), FEMA disaster exposure (60/100). The sharpest non-environmental signals are structural risk (64/100), construction/permit lag (62/100), institutional ownership (49/100). By contrast, mortgage stress (23/100) register low. Structural risk reads 64/100 against active distress of 7/100.

The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 258 housing units across 13844. The vacancy rate is 21.1% — elevated. The typical home is worth about $87,700 (1.4× income, relatively affordable). DLRadar's demographic-stress index for the area reads 30/100. About 543 people live here, median age 44. Roughly 17.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $66,635, median income runs below typical U.S. levels. About 7% have a four-year degree. The tenure split is 87% owner-occupied to 13% rented. Around 56% of renters are cost-burdened.

Taken together, 13844 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 13844's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 13844, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 13844'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. The point of the 13844 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.