ZIP 13044 Foreclosure, Tax-Lien & Distress Report

Oswego County, New York's ZIP 13044 registers 27/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (65/100). Its standout signals are construction/permit lag (68/100), structural risk (60/100), institutional ownership (38/100). By contrast, institutional ownership (38/100) and mortgage stress (17/100) register low. The latent-versus-live split is 60/100 structural and 5/100 already moving.

Prices here sit in a expansion phase: values rose 5.8% over the trailing year (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $139,200, an affordability ratio of 2.1× — accessible. Median household income is $69,300, near the U.S. median near $78,000. The tenure split is 93% owner-occupied to 7% rented. Rent burden reaches 1% of tenant households. About 2,884 people live here, median age 49. DLRadar's demographic-stress index for the area reads 19/100. Vacancy runs 6.4%. About 13% have a four-year degree. The ZIP holds roughly 1,174 housing units. Roughly 11.6% live below the poverty line.

On balance 13044 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 13044 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, 13044's 27/100 can be lined up against any neighbor in Oswego County, New York or any ZIP coast to coast. 13044 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 13044'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. The point of the 13044 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.