ZIP 10307 Property Distress & Foreclosure Data

ZIP code 10307 in Richmond County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (44/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (77/100). The latent-versus-live split is 53/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.3% year on year, and 8% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 32/100. Around 33% of renters are cost-burdened. The poverty rate is 2.7% — low. Around 40% of adults hold a bachelor's degree or higher. At $138,807, median income runs above typical U.S. levels. The typical home is worth about $801,300 (5.8× income). 83% of housing is owner-occupied. The ZIP holds roughly 5,564 housing units. About 14,821 people live here, median age 41. The vacancy rate is 4.7%.

Overall 10307 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.