ZIP 13364 Property Distress & Foreclosure Data

In Madison County, New York, ZIP 13364 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (62/100), structural risk (51/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), climate & FEMA risk (62/100). The latent-versus-live split is 51/100 structural and 3/100 already moving.

The market reads expansion — home values rose 8.0% year on year (phase confidence 52/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 359 people live here, median age 54. 100% of housing is owner-occupied. The typical home is worth about $121,300 (1.6× income, relatively affordable). Around 4% of adults hold a bachelor's degree or higher. The poverty rate is 20.3% — high, a tax-stress and distress correlate. The vacancy rate is 10.9%. The ZIP holds roughly 128 housing units. At $77,739, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 24/100.

Net-net, 13364 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.