ZIP 13846 Foreclosure, Tax-Lien & Distress Report

Delaware County, New York's ZIP 13846 registers 28/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (80/100), flood (NFIP) exposure (78/100). The most distinctive pressure shows up in structural risk (62/100), institutional ownership (55/100), construction/permit lag (28/100). construction/permit lag (28/100) and mortgage stress (27/100) stay muted. Structural risk reads 62/100 against active distress of 8/100.

The market reads expansion — home values rose 6.0% year on year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

87% of housing is owner-occupied. The typical home is worth about $222,200 (7.3× income, severely stretched). Roughly 20.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 28% have a four-year degree. About 259 people live here, median age 72. The ZIP holds roughly 201 housing units. The vacancy rate is 27.1% — elevated. Median household income is $29,609, below the U.S. median near $78,000. Rent burden reaches 0% of tenant households. On demographic stress specifically, 13846 scores 37/100.

On the whole, 13846 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13846 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 13846 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13846 can be compared directly against any other ZIP in Delaware County, New York or nationwide. Nothing here is interpolated — where a source is thin for 13846, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 28/100 for 13846 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 13846 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.