ZIP 13309 Foreclosure, Tax-Lien & Distress Report
Oneida County, New York · Distress market
On DLRadar's 0-100 public-record scale, ZIP 13309 in Oneida County, New York comes in at 21, a low composite-distress reading. The split runs 48/100 structural to 3/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (71/100), flood (NFIP) exposure (69/100)). What sets it apart are the readings on structural risk (48/100), construction/permit lag (39/100), institutional ownership (25/100). On the quiet end sit institutional ownership (25/100) and mortgage stress (11/100).
The expansion-phase market in 13309 posted values that rose 8.6% over the year, and 22% higher over three years, at 68/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Population is roughly 5,828 with a median age of 45. There are about 2,822 housing units across 13309. The tenure split is 72% owner-occupied to 28% rented. Rent burden reaches 44% of tenant households. The typical home is worth about $204,700 (2.8× income, relatively affordable). Educational attainment sits at 20% bachelor's-or-above. Households earn a median $70,377 — near the roughly $78,000 national figure. The poverty rate is 11.3%. The vacancy rate is 9.4%. The demographic-stress sub-score lands at 29/100.
On balance 13309 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 13309 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 13309 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 13309 shows blanks, not estimates, wherever the record is sparse.
The 21/100 figure for 13309 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 13309 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 13309
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
13309 at a glance
Current distress, phase, housing and lender-pressure figures for 13309, drawn from the same report attached to each property.
Oneida County ZIPs near 13309
Keep exploring New York distress
Other reports tied to Oneida County, New York — ZIP, county and statewide.
The complete 13309 distress and acquisition report
See who owns each distressed property in 13309, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology