ZIP 13316 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13316 (Oneida County, New York) at a low 21/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (69/100). Its heaviest discrete signals: structural risk (48/100), construction/permit lag (38/100), institutional ownership (26/100). On the quiet end sit institutional ownership (26/100) and mortgage stress (12/100). The split runs 48/100 structural to 4/100 active on the ground.

Prices here sit in a expansion phase: values rose 8.4% over the trailing year, and 16% higher over three years (phase confidence 65/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 3,131 housing units. Households earn a median $62,941 — below the roughly $78,000 national figure. Owners hold 86% of homes, renters 14%. The poverty rate is 8.4%. The vacancy rate is 12.6% — elevated. Around 47% of renters are cost-burdened. About 5,924 people live here, median age 51. About 21% have a four-year degree. A median home runs $162,000 here, or 2.5 times local income. The demographic-stress sub-score lands at 27/100.

Taken together, 13316 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 13316 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 13316's 21/100 can be lined up against any neighbor in Oneida County, New York or any ZIP coast to coast. Where the public record is thin for 13316, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 13316 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. For an operator, 13316 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.