ZIP 10304 Foreclosure, Tax-Lien & Distress Report
Richmond County, New York · Distress market
Scored purely from public records, 10304 (Richmond County, New York) returns a low composite of 19/100. The latent-versus-live split is 42/100 structural and 2/100 already moving. The sharpest non-environmental signals are structural risk (42/100), institutional ownership (17/100), mortgage stress (7/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (77/100)).
The market reads peak — home values rose 4.9% year on year, and 11% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Population is roughly 45,843 with a median age of 39. Home values center near $678,700, an affordability ratio of 9.2× — stretched. The tenure split is 49% owner-occupied to 51% rented. The demographic-stress sub-score lands at 52/100. The vacancy rate is 9.3%. The poverty rate is 17.8% — high, a tax-stress and distress correlate. Rent burden reaches 48% of tenant households. The ZIP holds roughly 17,190 housing units. Median household income is $71,506, near the U.S. median near $78,000. Around 31% of adults hold a bachelor's degree or higher.
On balance 10304 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 10304 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 10304's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 10304 reflects the current record instead of a stale or modeled snapshot.
The 19/100 figure for 10304 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. Practically, 10304 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.
Distress signal breakdown — ZIP 10304
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
10304 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 10304, the same set carried on every parcel.
Nearby ZIPs in Richmond County
Explore related distress reports
Further distress data across Richmond County, New York at ZIP, county and state level.
The complete 10304 distress and acquisition report
The full 10304 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology