ZIP 13340 Foreclosure, Tax-Lien & Distress Report

ZIP code 13340 in Herkimer County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (10/100). Environmental exposure also runs high (flood (NFIP) exposure (66/100), climate & FEMA risk (61/100)). Structural exposure scores 46 and live distress 3 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 9.6% over the trailing year, and 25% higher over three years (phase confidence 85/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $69,928, median income runs near typical U.S. levels. The poverty rate is 6.5% — low. Rent burden reaches 22% of tenant households. Educational attainment sits at 22% bachelor's-or-above. Owners hold 81% of homes, renters 19%. 7,322 residents call 13340 home, typically aged 44. The ZIP holds roughly 3,484 housing units. A median home runs $157,800 here, or 2.1 times local income. On demographic stress specifically, 13340 scores 21/100. The vacancy rate is 4.7%.

On balance 13340 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 13340 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 13340 stays directly comparable to neighboring ZIPs and the rest of Herkimer County, New York. Nothing here is interpolated — where a source is thin for 13340, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 13340'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, 13340 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.