ZIP 13361 Foreclosure, Tax-Lien & Distress Report

In Herkimer County, New York, ZIP 13361 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 45 and live distress 3 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (45/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (9/100). Climate and flood risk are elevated too — climate & FEMA risk (64/100).

The market reads expansion — home values rose 8.5% year on year (phase confidence 68/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 23.6% — elevated. 80% of housing is owner-occupied. Population is roughly 666 with a median age of 40. Median household income is $100,000, above the U.S. median near $78,000. The ZIP holds roughly 324 housing units. The demographic-stress sub-score lands at 26/100. The typical home is worth about $178,500 (1.8× income, relatively affordable). Around 44% of renters are cost-burdened. Around 34% of adults hold a bachelor's degree or higher. 12.6% of residents fall below the poverty threshold.

On the whole, 13361 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 13361 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 13361 runs through one identical public-record model, so its 19/100 sits on the same scale as every other ZIP in Herkimer County, New York and the nation. 13361 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 13361'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. The point of the 13361 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.