ZIP 13357 Foreclosure, Tax-Lien & Distress Report

In Herkimer County, New York, ZIP 13357 scores 19 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100), climate & FEMA risk (61/100). Latent structural risk is 43/100 while live distress already moving reads 3/100. The pressure is most legible in construction/permit lag (50/100), structural risk (43/100), 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, and 12% higher over three years, at 85/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 69% of homes, renters 31%. The poverty rate is 15.2%. There are about 5,113 housing units across 13357. The vacancy rate is 12.0% — elevated. On demographic stress specifically, 13357 scores 26/100. Educational attainment sits at 22% bachelor's-or-above. Rent burden reaches 35% of tenant households. Population is roughly 10,073 with a median age of 45. Median household income is $62,500, below the U.S. median near $78,000. A median home runs $115,600 here, or 1.7 times local income.

Taken together, 13357 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 13357 is not published yet -- the ZIP-level readings above remain fully sourced.

The 13357 read uses the identical scoring model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 13357 stays directly comparable to neighboring ZIPs and the rest of Herkimer County, New York. Where the record is thin for 13357, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 figure for 13357 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 13357 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.