ZIP 13318 Foreclosure, Tax-Lien & Distress Report
Oneida County, New York · Affordable market
In Oneida County, New York, ZIP 13318 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (74/100). Its heaviest discrete signals: structural risk (51/100), construction/permit lag (41/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 51/100 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 22/100 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 22/100 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.
Signal-by-signal read on 13318
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 13318 Stress Report snapshot
13318 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Get the full acquisition report for 13318
Pull every distressed parcel in 13318 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
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