ZIP 13028 Foreclosure, Tax-Lien & Distress Report
Oswego County, New York · High Vacancy market
In Oswego County, New York, ZIP 13028 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 56/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (63/100). What sets it apart are the readings on construction/permit lag (61/100), structural risk (56/100), institutional ownership (36/100). institutional ownership (36/100) and mortgage stress (17/100) stay muted.
Prices here sit in a expansion phase: values rose 5.8% over the trailing year (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
There are about 701 housing units across 13028. The tenure split is 96% owner-occupied to 4% rented. Population is roughly 913 with a median age of 43. Median household income is $88,906, above the U.S. median near $78,000. About 22% have a four-year degree. Vacancy runs 45.8%, above the national norm and a classic distress-and-opportunity signal. 10.8% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 24/100. The typical home is worth about $147,500 (1.7× income, relatively affordable). Rent burden reaches 23% of tenant households.
Net-net, 13028 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 13028 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13028 can be compared directly against any other ZIP in Oswego County, New York or nationwide. Where the record is thin for 13028, the field stays empty rather than modeled, and fills in as new documents post.
Behind 13028'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, 13028 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 13028
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 listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 13028 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 13028, drawn from the same report attached to each property.
Oswego County ZIPs near 13028
Nearest ZIP codes to 13028
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Further distress data across Oswego County, New York at ZIP, county and state level.
See every distressed parcel in 13028
Every distressed parcel in 13028 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology