ZIP 13338 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13338 (Herkimer County, New York) lands at 20/100 — low on DLRadar's public-record scoring. Structurally it carries 46/100, against 3/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (67/100). Its heaviest discrete signals: construction/permit lag (52/100), structural risk (46/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (9/100) register low.

The expansion-phase market in 13338 posted values that rose 9.6% over the year, at 85/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 59.3% — elevated. The tenure split is 89% owner-occupied to 11% rented. The ZIP holds roughly 1,459 housing units. 9.9% of residents fall below the poverty threshold. A median home runs $176,300 here, or 2.7 times local income. On demographic stress specifically, 13338 scores 29/100. Population is roughly 1,293 with a median age of 53. About 26% have a four-year degree. At $58,393, median income runs below typical U.S. levels. Rent burden reaches 31% of tenant households.

Net-net, 13338 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 13338 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 13338's 20/100 can be lined up against any neighbor in Herkimer County, New York or any ZIP coast to coast. Sparse data for 13338 shows as blanks, never estimates, and the score updates on every fresh public filing.

13338'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 13338 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.