ZIP 10804 Foreclosure, Tax-Lien & Distress Report
Westchester County, New York · High Value market
ZIP 10804's composite property-distress score is 29/100 - DLRadar classes that as low for Westchester County, New York. Its standout signals are structural risk (63/100), institutional ownership (49/100), mortgage stress (20/100). mortgage stress (20/100) and construction/permit lag (16/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (71/100). The latent-versus-live split is 63/100 structural and 6/100 already moving.
Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 29% higher over three years (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
Roughly 3.1% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 1.1%. At $220,089, median income runs above typical U.S. levels. Rent burden reaches 44% of tenant households. About 15,228 people live here, median age 45. Around 80% of adults hold a bachelor's degree or higher. 95% of housing is owner-occupied. The ZIP holds roughly 5,557 housing units. The demographic-stress sub-score lands at 23/100. The typical home is worth about $927,000 (4.1× income).
Overall, 10804 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 10804 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 10804's 29/100 can be lined up against any neighbor in Westchester County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 10804 reflects the current record instead of a stale or modeled snapshot.
Behind 10804's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 10804 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 10804 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 10804 Stress Report snapshot
A live read on 10804: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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Deterministic. Every signal traces to a public dataset · methodology