ZIP 13850 Foreclosure, Tax-Lien & Distress Report

ZIP code 13850 in Broome County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (87/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (66/100). Structurally it carries 69/100, against 6/100 of stress already in motion. The pressure is most legible in structural risk (69/100), construction/permit lag (55/100), institutional ownership (52/100). mortgage stress (21/100) stay muted.

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.

The tenure split is 78% owner-occupied to 22% rented. 13.9% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 28/100. Around 58% of renters are cost-burdened. At $81,627, median income runs near typical U.S. levels. There are about 10,388 housing units across 13850. About 45% have a four-year degree. The vacancy rate is 9.9%. A median home runs $194,100 here, or 2.3 times local income. 23,675 residents call 13850 home, typically aged 42.

Overall, 13850 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 13850 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 13850 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13850 can be compared directly against any other ZIP in Broome County, New York or nationwide. Sparse data for 13850 shows as blanks, never estimates, and the score updates on every fresh public filing.

13850's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 13850 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.