ZIP 13145 Property Distress & Foreclosure Data

Composite property distress in 13145 (Oswego County, New York) lands at 27/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (66/100). The sharpest non-environmental signals are construction/permit lag (70/100), structural risk (61/100), institutional ownership (42/100). By contrast, mortgage stress (17/100) register low. Structural exposure scores 61 and live distress 5 on the 0–100 scale.

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

There are about 1,166 housing units across 13145. 73% of housing is owner-occupied. The demographic-stress sub-score lands at 36/100. Around 22% of adults hold a bachelor's degree or higher. The typical home is worth about $142,200 (2.8× income, relatively affordable). Vacancy runs 23.8%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 23.0% — high, a tax-stress and distress correlate. At $50,238, median income runs below typical U.S. levels. About 1,794 people live here, median age 48. Rent burden reaches 69% of tenant households.

Net-net, 13145 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.