ZIP 13304 Foreclosure, Tax-Lien & Distress Report
Oneida County, New York · Distress market
On DLRadar's 0-100 distress scale, ZIP 13304 in Oneida County, New York comes in at 22, a low composite-distress reading. Leading the profile are structural risk (50/100), construction/permit lag (41/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (73/100). Structural risk reads 50/100 against active distress of 2/100.
The market reads expansion — home values rose 9.6% year on year, at 85/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
On demographic stress specifically, 13304 scores 25/100. Owners hold 78% of homes, renters 22%. 9.1% of residents fall below the poverty threshold. About 48% have a four-year degree. Around 43% of renters are cost-burdened. 1,841 residents call 13304 home, typically aged 39. At $105,313, median income runs above typical U.S. levels. The ZIP holds roughly 713 housing units. A median home runs $300,000 here, or 2.4 times local income. The vacancy rate is 10.8%.
On balance, 13304 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The 13304 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 13304 stays directly comparable to neighboring ZIPs and the rest of Oneida County, New York. Sparse data for 13304 shows as blanks, never estimates, and the score updates on every fresh public filing.
13304'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. Practically, 13304 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 13304
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 13304 by the numbers
Current distress, phase, housing and lender-pressure figures for 13304, drawn from the same report attached to each property.
Other Oneida County ZIP codes
Nearest ZIP codes to 13304
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
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See every distressed parcel in 13304
Every distressed parcel in 13304 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology