ZIP 13041 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 13041 in Onondaga County, New York comes in at 20, a low composite-distress reading. What sets it apart are the readings on structural risk (43/100), institutional ownership (19/100), mortgage stress (8/100). institutional ownership (19/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 43/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (82/100).

The market reads expansion — home values rose 5.8% year on year, and 32% higher over three years, at 43/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $108,491, median income runs above typical U.S. levels. Rent burden reaches 51% of tenant households. The typical home is worth about $226,900 (1.8× income, relatively affordable). Educational attainment sits at 36% bachelor's-or-above. Roughly 2.9% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 2.7%. DLRadar's demographic-stress index for the area reads 22/100. There are about 4,640 housing units across 13041. 12,094 residents call 13041 home, typically aged 40. The tenure split is 89% owner-occupied to 11% rented.

Overall 13041 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 13041 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 13041 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. The score is rebuilt from public data as it updates, so 13041 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 13041 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 13041 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.