ZIP 10538 Foreclosure, Tax-Lien & Distress Report
Westchester County, New York · High Value market
In Westchester County, New York, ZIP 10538 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (89/100)). Latent structural risk is 61/100 while live distress already moving reads 6/100. Leading the profile are structural risk (61/100), institutional ownership (48/100), mortgage stress (20/100). On the quiet end sit mortgage stress (20/100) and construction/permit lag (16/100).
The peak-phase market in 10538 posted values that rose 4.9% over the year, and 28% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The ZIP holds roughly 7,070 housing units. The poverty rate is 2.6% — low. A median home runs $1,266,600 here, or 6.3 times local income. Vacancy runs 4.3%. Rent burden reaches 40% of tenant households. Educational attainment sits at 82% bachelor's-or-above. Owners hold 78% of homes, renters 22%. On demographic stress specifically, 10538 scores 31/100. At $186,555, median income runs above typical U.S. levels. Population is roughly 17,709 with a median age of 42.
Net-net, 10538 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 10538 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 10538 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 10538 stays directly comparable to neighboring ZIPs and the rest of Westchester County, New York. Nothing here is interpolated — where a source is thin for 10538, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 28/100 for 10538 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 10538 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 10538’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 10538 by the numbers
Current distress, phase, housing and lender-pressure figures for 10538, drawn from the same report attached to each property.
Neighbouring ZIPs in Westchester County
Nearest ZIP codes to 10538
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Related ZIP, county and statewide reads linked to Westchester County, New York.
Get the full acquisition report for 10538
Pull every distressed parcel in 10538 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Deterministic. Every signal traces to a public dataset · methodology