ZIP 13318 Foreclosure, Tax-Lien & Distress Report

In Oneida County, New York, ZIP 13318 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). Its heaviest discrete signals: structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 52/100 structural and 2/100 already moving.

The market reads expansion — home values rose 9.6% year on year, at 85/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The tenure split is 93% owner-occupied to 7% rented. On demographic stress specifically, 13318 scores 24/100. The typical home is worth about $178,500 (2.1× income, relatively affordable). The vacancy rate is 6.4%. Population is roughly 982 with a median age of 39. There are about 377 housing units across 13318. Around 30% of renters are cost-burdened. Median household income is $78,125, near the U.S. median near $78,000. Around 15% of adults hold a bachelor's degree or higher. The poverty rate is 12.9%.

On balance, 13318 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 13318 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 13318's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 13318 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 13318 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Practically, 13318 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.