ZIP 13131 Foreclosure, Tax-Lien & Distress Report
Oswego County, New York · Affordable market
In Oswego County, New York, ZIP 13131 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (68/100), structural risk (60/100), institutional ownership (38/100). institutional ownership (38/100) and mortgage stress (17/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (68/100), flood (NFIP) exposure (65/100)). On the structural side it scores 60/100, with 5/100 of stress already active.
Prices here sit in a expansion phase: values rose 5.8% over the trailing year, and 23% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The poverty rate is 12.6%. About 2,856 people live here, median age 43. Around 20% of renters are cost-burdened. Educational attainment sits at 19% bachelor's-or-above. Median household income is $66,992, below the U.S. median near $78,000. On demographic stress specifically, 13131 scores 22/100. The vacancy rate is 7.9%. Home values center near $147,800, an affordability ratio of 2.0× — accessible. 85% of housing is owner-occupied. The ZIP holds roughly 1,271 housing units.
Overall, 13131 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 13131 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 13131's 27/100 can be lined up against any neighbor in Oswego County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 13131 reflects the current record instead of a stale or modeled snapshot.
The 27/100 figure for 13131 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, 13131 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.
ZIP 13131 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 13131 distress snapshot
The live 13131 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Oswego County
More distress data near 13131
Further distress data across Oswego County, New York at ZIP, county and state level.
The complete 13131 distress and acquisition report
Open 13131 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology