ZIP 13864 Foreclosure, Tax-Lien & Distress Report
Tioga County, New York · High Poverty market
ZIP code 13864 in Tioga County, New York carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 42/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (64/100), flood (NFIP) exposure (60/100). Property-level stress concentrates in construction/permit lag (43/100), structural risk (42/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).
The market reads peak — home values held roughly flat year on year, 3.0% off the recent peak, at 50/100 phase confidence. Topping markets hide individual distress behind strong averages.
1,421 residents call 13864 home, typically aged 50. Vacancy runs 0.0%. Owners hold 68% of homes, renters 32%. The ZIP holds roughly 660 housing units. Home values center near $126,700, an affordability ratio of 2.5× — accessible. At $53,015, median income runs below typical U.S. levels. 29.3% of residents fall below the poverty threshold. Rent burden reaches 35% of tenant households. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 19% bachelor's-or-above.
Net-net, 13864 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13864 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 13864 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 13864 stays directly comparable to neighboring ZIPs and the rest of Tioga County, New York. Nothing here is interpolated — where a source is thin for 13864, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 figure for 13864 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. Treat 13864 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 13864
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 13864 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 13864, drawn from the same report attached to each property.
Neighbouring ZIPs in Tioga County
More distress data near 13864
Keep going: ZIP, county and state distress coverage for Tioga County, New York.
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Each signal above is traceable to an open dataset · methodology