ZIP 13856 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13856 (Delaware County, New York) returns a low composite of 28/100. Its heaviest discrete signals: structural risk (62/100), institutional ownership (55/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (27/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (80/100), flood (NFIP) exposure (78/100). The latent-versus-live split is 62/100 structural and 8/100 already moving.

The market reads expansion — home values rose 6.0% year on year, and 72% higher over three years, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Rent burden reaches 30% of tenant households. 24.9% of residents fall below the poverty threshold. About 25% have a four-year degree. The vacancy rate is 24.8% — elevated. Median household income is $48,852, below the U.S. median near $78,000. A median home runs $156,500 here, or 3.0 times local income. Population is roughly 5,915 with a median age of 50. On demographic stress specifically, 13856 scores 31/100. Owners hold 74% of homes, renters 26%. There are about 3,595 housing units across 13856.

Net-net, 13856 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 13856 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 13856 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 13856 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 13856, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 13856'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. In workflow terms, 13856 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.