ZIP 13863 Foreclosure, Tax-Lien & Distress Report

ZIP 13863's composite property-distress score is 23/100 - DLRadar classes that as low for Cortland County, New York. The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (49/100), institutional ownership (34/100). By contrast, institutional ownership (34/100) and mortgage stress (14/100) register low. Environmental exposure also runs high (FEMA disaster exposure (71/100)). Structurally it carries 49/100, against 4/100 of stress already in motion.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 37/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $71,188, near the U.S. median near $78,000. 13.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 21/100. About 15% have a four-year degree. Around 0% of renters are cost-burdened. The ZIP holds roughly 269 housing units. Vacancy runs 42.9%, above the national norm and a classic distress-and-opportunity signal. 430 residents call 13863 home, typically aged 44. The tenure split is 92% owner-occupied to 8% rented. Home values center near $111,800, an affordability ratio of 1.4× — accessible.

Taken together, 13863 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 13863 at the moment; the composite and its components are still built from verifiable public records.

Whether 13863 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13863 can be compared directly against any other ZIP in Cortland County, New York or nationwide. Where the public record is thin for 13863, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 13863 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 13863 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.