ZIP 13860 Foreclosure, Tax-Lien & Distress Report
Delaware County, New York · Distress market
ZIP code 13860 in Delaware County, New York carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. The split runs 58/100 structural to 8/100 active on the ground. What sets it apart are the readings on structural risk (58/100), institutional ownership (56/100), mortgage stress (27/100). By contrast, mortgage stress (27/100) and construction/permit lag (16/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (73/100).
Prices here sit in a expansion phase: values rose 6.0% over the trailing year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The vacancy rate is 0.0%. Rent burden reaches 100% of tenant households. 266 residents call 13860 home, typically aged 39. Around 51% of adults hold a bachelor's degree or higher. Home values center near $255,500. DLRadar's demographic-stress index for the area reads 54/100. Owners hold 75% of homes, renters 25%. The ZIP holds roughly 128 housing units. Median household income is $138,967, above the U.S. median near $78,000. 0.0% of residents fall below the poverty threshold.
Net-net, 13860 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 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: 13860's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 13860 shows blanks, not estimates, wherever the record is sparse.
Behind 13860'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 13860 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 13860’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 13860 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 13860, drawn from the same report attached to each property.
Other Delaware County ZIP codes
Nearest ZIP codes to 13860
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Related ZIP, county and statewide reads linked to Delaware County, New York.
Open the complete 13860 acquisition file
Pull every distressed parcel in 13860 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Rules-based scoring — each signal ties to a public dataset · methodology