ZIP 13032 Foreclosure, Tax-Lien & Distress Report

ZIP code 13032 in Madison County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in structural risk (46/100), construction/permit lag (44/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (10/100). The latent-versus-live split is 46/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), climate & FEMA risk (62/100).

The expansion-phase market in 13032 posted values that rose 5.8% over the year, and 12% higher over three years, at 43/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $74,217, median income runs near typical U.S. levels. Owners hold 81% of homes, renters 19%. 7.6% of residents fall below the poverty threshold. Around 20% of adults hold a bachelor's degree or higher. Around 28% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 24/100. Population is roughly 12,964 with a median age of 46. Home values center near $165,800, an affordability ratio of 2.0× — accessible. There are about 6,360 housing units across 13032. The vacancy rate is 15.9% — elevated.

On the whole, 13032 leans distressed, with opportunity clustered in specific stressed parcels. 13032 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 13032 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 13032, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 13032 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 13032 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.