ZIP 13863 Property Distress & Foreclosure Data

ZIP code 13863 in Cortland County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (77/100), structural risk (49/100), institutional ownership (35/100). On the quiet end sit institutional ownership (35/100) and mortgage stress (14/100). Environmental exposure also runs high (FEMA disaster exposure (64/100)). The latent-versus-live split is 49/100 structural and 4/100 already moving.

The expansion-phase market in 13863 posted values that rose 6.3% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

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. Educational attainment sits at 15% bachelor's-or-above. Around 0% of renters are cost-burdened. The ZIP holds roughly 269 housing units. The vacancy rate is 42.9% — elevated. Population is roughly 430 with a median age of 44. Owners hold 92% of homes, renters 8%. Home values center near $111,800, an affordability ratio of 1.4× — accessible.

On the whole, 13863 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.