ZIP 13904 Foreclosure, Tax-Lien & Distress Report
Broome County, New York · High Poverty market
On DLRadar's 0-100 public-record scale, ZIP 13904 in Broome County, New York comes in at 31, a moderate composite-distress reading. The sharpest non-environmental signals are structural risk (69/100), construction/permit lag (55/100), institutional ownership (52/100). mortgage stress (21/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (87/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (66/100)). Structural exposure scores 69 and live distress 6 on the 0–100 scale.
The peak-phase market in 13904 posted values that rose 1.8% over the year, 1.8% off the recent peak, and 14% higher over three years, at 46/100 phase confidence. Topping markets hide individual distress behind strong averages.
Households earn a median $56,794 — below the roughly $78,000 national figure. Roughly 20.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 41% of renters are cost-burdened. Owners hold 63% of homes, renters 37%. On demographic stress specifically, 13904 scores 29/100. A median home runs $121,100 here, or 2.0 times local income. About 19% have a four-year degree. 9,138 residents call 13904 home, typically aged 43. The vacancy rate is 8.0%. The ZIP holds roughly 4,041 housing units.
Net-net, 13904 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13904 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 13904 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. 13904 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 31/100 for 13904 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 13904 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 13904 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 13904 Stress Report snapshot
A live read on 13904: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Broome County ZIPs near 13904
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Rules-based scoring — each signal ties to a public dataset · methodology