ZIP 10538 Foreclosure, Tax-Lien & Distress Report

In Westchester County, New York, ZIP 10538 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (71/100)). Latent structural risk is 63/100 while live distress already moving reads 6/100. Leading the profile are structural risk (63/100), institutional ownership (49/100), 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 public-record model applied coast to coast, which means its 29/100 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 29/100 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.