ZIP 13069 Foreclosure, Tax-Lien & Distress Report

Oswego County, New York's ZIP 13069 registers 24/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (54/100), construction/permit lag (49/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) and mortgage stress (17/100) register low. Structural risk reads 54/100 against active distress of 5/100. Environmental exposure also runs high (climate & FEMA risk (69/100), flood (NFIP) exposure (63/100)).

Prices here sit in a expansion phase: values rose 5.8% over the trailing year, and 30% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

DLRadar's demographic-stress index for the area reads 28/100. 19.7% of residents fall below the poverty threshold. Around 19% of adults hold a bachelor's degree or higher. The typical home is worth about $121,900 (1.8× income, relatively affordable). 23,176 residents call 13069 home, typically aged 42. The tenure split is 66% owner-occupied to 34% rented. Around 38% of renters are cost-burdened. Vacancy runs 7.3%. Median household income is $63,156, below the U.S. median near $78,000. The ZIP holds roughly 10,345 housing units.

On balance 13069 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 13069 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: 13069 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 13069 reflects the current record instead of a stale or modeled snapshot.

The 24/100 for 13069 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 13069 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.