ZIP 13354 Foreclosure, Tax-Lien & Distress Report

In Oneida County, New York, ZIP 13354 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). Its standout signals are structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. Structurally it carries 52/100, against 2/100 of stress already in motion.

The expansion-phase market in 13354 posted values that rose 9.6% over the year, and 41% higher over three years, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 3,124 with a median age of 45. Vacancy runs 1.4%. The ZIP holds roughly 1,266 housing units. Rent burden reaches 29% of tenant households. Owners hold 90% of homes, renters 10%. Educational attainment sits at 29% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 21/100. Households earn a median $92,750 — above the roughly $78,000 national figure. A median home runs $241,900 here, or 2.1 times local income. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas.

Overall 13354 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 13354 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 13354 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Oneida County, New York and the nation. Where the public record is thin for 13354, the field stays empty rather than modeled, and fills in as new documents post.

Behind 13354'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. For a buyer, 13354 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.