ZIP 10504 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 10504 (Westchester County, New York) at a low 28/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (89/100). What sets it apart are the readings on structural risk (62/100), institutional ownership (48/100), mortgage stress (20/100). mortgage stress (20/100) and construction/permit lag (16/100) stay muted. The split runs 62/100 structural to 6/100 active on the ground.

The peak-phase market in 10504 posted values that rose 4.9% over the year, and 4% lower over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

95% of housing is owner-occupied. Vacancy runs 4.7%. About 7,853 people live here, median age 43. The ZIP holds roughly 2,629 housing units. The typical home is worth about $1,243,100 (4.7× income). The demographic-stress sub-score lands at 25/100. Around 39% of renters are cost-burdened. 4.2% of residents fall below the poverty threshold. Educational attainment sits at 81% bachelor's-or-above. Households earn a median $247,433 — above the roughly $78,000 national figure.

Overall, 10504 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 10504 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 10504's 28/100 can be lined up against any neighbor in Westchester County, New York or any ZIP coast to coast. Where the record is thin for 10504, the field stays empty rather than modeled, and fills in as new documents post.

10504's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 10504 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.