ZIP 13865 Property Distress & Foreclosure Data

DLRadar grades ZIP 13865 (Broome County, New York) at a moderate 34/100 for overall property distress. Property-level stress concentrates in construction/permit lag (82/100), structural risk (75/100), institutional ownership (54/100). By contrast, mortgage stress (21/100) register low. On the structural side it scores 75/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), FEMA disaster exposure (73/100), flood (NFIP) exposure (67/100).

The market reads expansion — home values rose 9.8% year on year, and 33% higher over three years (phase confidence 76/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $71,302, median income runs near typical U.S. levels. The poverty rate is 10.1%. The ZIP holds roughly 3,048 housing units. Around 24% of adults hold a bachelor's degree or higher. The vacancy rate is 17.4% — elevated. About 5,823 people live here, median age 50. 87% of housing is owner-occupied. The demographic-stress sub-score lands at 26/100. Around 43% of renters are cost-burdened. The typical home is worth about $177,900 (2.3× income, relatively affordable).

Net-net, 13865 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.