ZIP 13145 Foreclosure, Tax-Lien & Distress Report

ZIP 13145's composite property-distress score is 27/100 - DLRadar classes that as low for Oswego County, New York. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (65/100). The pressure is most legible in 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. Latent structural risk is 60/100 while live distress already moving reads 5/100.

Prices here sit in a expansion phase: values rose 5.8% over the trailing year, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,166 housing units. Owners hold 73% of homes, renters 27%. DLRadar's demographic-stress index for the area reads 36/100. About 22% have a four-year degree. The typical home is worth about $142,200 (2.8× income, relatively affordable). The vacancy rate is 23.8% — elevated. The poverty rate is 23.0% — high, a tax-stress and distress correlate. At $50,238, median income runs below typical U.S. levels. 1,794 residents call 13145 home, typically aged 48. Around 69% of renters are cost-burdened.

Taken together, 13145 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 13145 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 13145's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 13145 shows blanks, not estimates, wherever the record is sparse.

Behind 13145'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 13145 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.