ZIP 13904 Property Distress & Foreclosure Data

In Broome County, New York, ZIP 13904 scores 34 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (82/100), structural risk (75/100), institutional ownership (54/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), FEMA disaster exposure (73/100), flood (NFIP) exposure (67/100). The latent-versus-live split is 75/100 structural and 6/100 already moving.

The market reads expansion — home values rose 9.8% year on year, and 14% higher over three years (phase confidence 76/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $56,794, median income runs below typical U.S. levels. The poverty rate is 20.3% — high, a tax-stress and distress correlate. Around 41% of renters are cost-burdened. 63% of housing is owner-occupied. The demographic-stress sub-score lands at 29/100. The typical home is worth about $121,100 (2.0× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. About 9,138 people live here, median age 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.