ZIP 10305 Foreclosure, Tax-Lien & Distress Report
Richmond County, New York · Distress market
Composite property distress in 10305 (Richmond County, New York) lands at 19/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (77/100). The latent-versus-live split is 42/100 structural and 2/100 already moving. The most distinctive pressure shows up in structural risk (42/100), institutional ownership (17/100), mortgage stress (7/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.
The market reads peak — home values rose 4.9% year on year, and 9% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The poverty rate is 8.7%. Rent burden reaches 49% of tenant households. 65% of housing is owner-occupied. A median home runs $643,500 here, or 7.3 times local income. Households earn a median $86,294 — near the roughly $78,000 national figure. 41,714 residents call 10305 home, typically aged 44. Educational attainment sits at 32% bachelor's-or-above. On demographic stress specifically, 10305 scores 43/100. The ZIP holds roughly 17,049 housing units. Vacancy runs 7.2%.
Overall 10305 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 10305 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Whether 10305 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 10305 can be compared directly against any other ZIP in Richmond County, New York or nationwide. Sparse data for 10305 shows as blanks, never estimates, and the score updates on every fresh public filing.
10305's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 10305 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 10305 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
10305 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Other Richmond County ZIP codes
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Each signal above is traceable to an open dataset · methodology