ZIP 13082 Property Distress & Foreclosure Data

Composite property distress in 13082 (Madison County, New York) lands at 17/100 — low on DLRadar's public-record scoring. Structural exposure scores 39 and live distress 2 on the 0–100 scale. The sharpest non-environmental signals are structural risk (39/100), institutional ownership (19/100), mortgage stress (8/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (76/100).

The market reads expansion — home values rose 8.0% year on year, and 22% higher over three years, at 52/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 4,177 people live here, median age 45. The demographic-stress sub-score lands at 19/100. Vacancy runs 10.0%. Around 28% of adults hold a bachelor's degree or higher. 94% of housing is owner-occupied. Rent burden reaches 14% of tenant households. The typical home is worth about $185,700 (2.0× income, relatively affordable). At $89,485, median income runs above typical U.S. levels. There are about 1,900 housing units across 13082. The poverty rate is 6.4% — low.

Overall 13082 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.