ZIP 10314 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 10314 (Richmond County, New York) lands at 19/100 — low on DLRadar's public-record scoring. Leading the profile are structural risk (42/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (90/100), flood (NFIP) exposure (77/100). On the structural side it scores 42/100, with 2/100 of stress already active.

The market reads peak — home values rose 4.9% year on year, and 13% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $682,300 (6.4× income). Vacancy runs 6.4%. Households earn a median $104,655 — above the roughly $78,000 national figure. Around 44% of renters are cost-burdened. About 37% have a four-year degree. There are about 33,738 housing units across 10314. 10.1% of residents fall below the poverty threshold. The tenure split is 75% owner-occupied to 25% rented. DLRadar's demographic-stress index for the area reads 38/100. Population is roughly 93,539 with a median age of 41.

On balance, 10314 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 10314 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 10314 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 10314, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 10314 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. Treat 10314 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.