ZIP 13331 Foreclosure, Tax-Lien & Distress Report

ZIP code 13331 in Herkimer County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (65/100), climate & FEMA risk (61/100)). Structural exposure scores 46 and live distress 3 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (10/100) stay muted.

The market reads expansion — home values rose 9.6% year on year (phase confidence 84/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 100% of homes, renters 0%. The vacancy rate is 89.7% — elevated. About 175 people live here, median age 69. About 50% have a four-year degree. Home values center near $283,300, an affordability ratio of 4.5×. The poverty rate is 0.0% — low. There are about 979 housing units across 13331. DLRadar's demographic-stress index for the area reads 32/100. Households earn a median $64,500 — below the roughly $78,000 national figure.

Taken together, 13331 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 13331 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 13331 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Herkimer County, New York and the nation. The score is rebuilt from public data as it updates, so 13331 reflects the current record instead of a stale or modeled snapshot.

Behind 13331's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 13331 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.