ZIP 13865 Foreclosure, Tax-Lien & Distress Report
Broome County, New York · High Vacancy market
ZIP code 13865 in Broome County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (69/100), construction/permit lag (55/100), institutional ownership (52/100). On the quiet end sit mortgage stress (21/100). Structurally it carries 69/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (66/100).
The market reads peak — home values rose 1.8% year on year, 1.8% off the recent peak, and 33% higher over three years (phase confidence 46/100). Topping markets hide individual distress behind strong averages.
Households earn a median $71,302 — near the roughly $78,000 national figure. Roughly 10.1% live below the poverty line. There are about 3,048 housing units across 13865. About 24% have a four-year degree. Vacancy runs 17.4%, above the national norm and a classic distress-and-opportunity signal. 5,823 residents call 13865 home, typically aged 50. 87% of housing is owner-occupied. On demographic stress specifically, 13865 scores 26/100. Rent burden reaches 43% of tenant households. Home values center near $177,900, an affordability ratio of 2.3× — accessible.
Net-net, 13865 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 13865 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 13865's 31/100 can be lined up against any neighbor in Broome County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 13865 reflects the current record instead of a stale or modeled snapshot.
The 31/100 figure for 13865 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, 13865 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 13865
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 13865 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 13865, the same set carried on every parcel.
Neighbouring ZIPs in Broome County
Explore related distress reports
Further distress data across Broome County, New York at ZIP, county and state level.
Unlock the full ZIP 13865 acquisition report
Open 13865 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology