ZIP 13350 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13350 (Herkimer County, New York) at a low 20/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (66/100), climate & FEMA risk (61/100). Its standout signals are 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). Structural risk reads 46/100 against active distress of 3/100.

The expansion-phase market in 13350 posted values that rose 9.6% over the year (phase confidence 85/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $136,800, an affordability ratio of 2.2× — accessible. About 20% have a four-year degree. Vacancy runs 10.4%. The ZIP holds roughly 4,671 housing units. 61% of housing is owner-occupied. Roughly 16.1% live below the poverty line. Population is roughly 9,641 with a median age of 47. The demographic-stress sub-score lands at 28/100. Households earn a median $62,548 — below the roughly $78,000 national figure. Rent burden reaches 33% of tenant households.

On balance 13350 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 13350 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 13350's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 13350, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

13350's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 13350 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.