ZIP 10308 Foreclosure, Tax-Lien & Distress Report

ZIP code 10308 in Richmond County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 42/100 structural and 2/100 already moving. Its standout 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 (76/100)).

The peak-phase market in 10308 posted values that rose 4.9% over the year, and 16% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $656,400 here, or 5.3 times local income. Owners hold 80% of homes, renters 20%. About 29,996 people live here, median age 43. There are about 11,243 housing units across 10308. The poverty rate is 5.8% — low. The vacancy rate is 6.9%. Households earn a median $122,654 — above the roughly $78,000 national figure. The demographic-stress sub-score lands at 32/100. About 40% have a four-year degree. Around 33% of renters are cost-burdened.

Broadly, 10308 is a steadier market — the deals are the exceptions, not the rule. While 10308 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 10308 read uses the identical scoring model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 10308 stays directly comparable to neighboring ZIPs and the rest of Richmond County, New York. Nothing here is interpolated — where a source is thin for 10308, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 10308's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 10308 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.