ZIP 13862 Foreclosure, Tax-Lien & Distress Report

ZIP code 13862 in Broome County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. The latent-versus-live split is 68/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (66/100). The sharpest non-environmental signals are structural risk (68/100), construction/permit lag (55/100), institutional ownership (52/100). By contrast, mortgage stress (21/100) register low.

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 (phase confidence 46/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 3,667 people live here, median age 40. Owners hold 75% of homes, renters 25%. Households earn a median $61,623 — below the roughly $78,000 national figure. Around 21% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,463 housing units. Around 34% of renters are cost-burdened. Home values center near $139,600, an affordability ratio of 2.3× — accessible. DLRadar's demographic-stress index for the area reads 27/100. The vacancy rate is 12.3% — elevated. The poverty rate is 14.5%.

On the whole, 13862 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 13862 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 13862 can be compared directly against any other ZIP in Broome County, New York or nationwide. Nothing here is interpolated — where a source is thin for 13862, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

13862's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 13862 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.