ZIP 13308 Foreclosure, Tax-Lien & Distress Report
Oneida County, New York · High Vacancy market
Composite property distress in 13308 (Oneida County, New York) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). On the structural side it scores 52/100, with 2/100 of stress already active.
Prices here sit in a expansion phase: values rose 9.6% over the trailing year, and 20% higher over three years, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Median household income is $86,072, near the U.S. median near $78,000. About 4,239 people live here, median age 46. 8.8% of residents fall below the poverty threshold. Home values center near $124,100, an affordability ratio of 1.4× — accessible. Rent burden reaches 55% of tenant households. Educational attainment sits at 23% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 26/100. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,999 housing units. 86% of housing is owner-occupied.
Net-net, 13308 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.
The number is not local guesswork: 13308's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 13308 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
13308's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 13308 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 13308
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 13308 distress snapshot
13308 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Oneida County ZIPs near 13308
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Rules-based scoring — each signal ties to a public dataset · methodology