ZIP 13163 Foreclosure, Tax-Lien & Distress Report

Madison County, New York's ZIP 13163 registers 20/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 46/100 structural and 3/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100), climate & FEMA risk (62/100). Its standout signals are structural risk (46/100), construction/permit lag (44/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (10/100).

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

100% of housing is owner-occupied. 9.1% of residents fall below the poverty threshold. On demographic stress specifically, 13163 scores 32/100. A median home runs $191,700 here, or 2.1 times local income. Median household income is $77,500, near the U.S. median near $78,000. About 334 people live here, median age 42. Vacancy runs 1.7%. Educational attainment sits at 20% bachelor's-or-above. There are about 113 housing units across 13163.

Overall, 13163 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 13163 at the moment; the composite and its components are still built from verifiable records.

Whether 13163 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13163 can be compared directly against any other ZIP in Madison County, New York or nationwide. The score is rebuilt from public data as it updates, so 13163 reflects the current record instead of a stale or modeled snapshot.

13163's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 13163 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.