ZIP 13324 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13324 (Herkimer County, New York) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (66/100), climate & FEMA risk (61/100)). The split runs 46/100 structural to 3/100 active on the ground. Its standout signals are construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (10/100) register low.

The expansion-phase market in 13324 posted values that rose 9.6% over the year, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

90% of housing is owner-occupied. The vacancy rate is 42.2% — elevated. A median home runs $179,300 here, or 1.8 times local income. The demographic-stress sub-score lands at 29/100. Households earn a median $80,313 — near the roughly $78,000 national figure. About 18% have a four-year degree. Roughly 9.9% live below the poverty line. Population is roughly 1,714 with a median age of 55. Rent burden reaches 52% of tenant households. The ZIP holds roughly 1,356 housing units.

Net-net, 13324 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 13324 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 13324 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13324 can be compared directly against any other ZIP in Herkimer County, New York or nationwide. The score is rebuilt from public data as it updates, so 13324 reflects the current record instead of a stale or modeled snapshot.

13324'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. The point of the 13324 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.