ZIP 10604 Foreclosure, Tax-Lien & Distress Report

In Westchester County, New York, ZIP 10604 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: 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). Structural risk reads 63/100 against active distress of 6/100. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (71/100).

The market reads peak — home values rose 4.9% year on year, and 25% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 43% of tenant households. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas. A median home runs $735,700 here, or 7.3 times local income. Around 51% of adults hold a bachelor's degree or higher. Vacancy runs 3.7%. 54% of housing is owner-occupied. On demographic stress specifically, 10604 scores 40/100. Population is roughly 12,192 with a median age of 39. At $111,131, median income runs above typical U.S. levels. The ZIP holds roughly 4,751 housing units.

Net-net, 10604 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 10604 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 10604 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Westchester County, New York and the nation. Where the public record is thin for 10604, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 10604 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. Practically, 10604 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.