ZIP 13314 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13314 (Madison County, New York) at a low 21/100 for overall property distress. On the structural side it scores 50/100, with 3/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (84/100), climate & FEMA risk (62/100)). The most distinctive pressure shows up in construction/permit lag (60/100), structural risk (50/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (10/100).

The expansion-phase market in 13314 posted values that rose 5.8% over the year (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 45.2%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 56 housing units. The poverty rate is 60.7% — high, a tax-stress and distress correlate. Home values center near $111,100, an affordability ratio of 2.7× — accessible. On demographic stress specifically, 13314 scores 43/100. 100% of housing is owner-occupied. Population is roughly 145 with a median age of 40. Educational attainment sits at 15% bachelor's-or-above. Median household income is $38,750, below the U.S. median near $78,000.

On the whole, 13314 leans distressed, with opportunity clustered in specific stressed parcels. 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: 13314's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 13314 shows as blanks, never estimates, and the score updates on every fresh public filing.

13314'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. Treat 13314 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.