ZIP 13365 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 13365 in Herkimer County, New York comes in at 20, a low composite-distress reading. Structural risk reads 46/100 against active distress of 3/100. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (66/100), climate & FEMA risk (61/100).
Prices here sit in a expansion phase: values rose 9.6% over the trailing year, and 25% higher over three years (phase confidence 85/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
About 8,545 people live here, median age 39. The ZIP holds roughly 4,072 housing units. The typical home is worth about $130,500 (2.0× income, relatively affordable). Vacancy runs 17.2%, above the national norm and a classic distress-and-opportunity signal. 19.3% of residents fall below the poverty threshold. About 19% have a four-year degree. Rent burden reaches 39% of tenant households. The demographic-stress sub-score lands at 28/100. Owners hold 78% of homes, renters 22%. Median household income is $60,458, below the U.S. median near $78,000.
Net-net, 13365 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 13365 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 13365's 20/100 can be lined up against any neighbor in Herkimer County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 13365 reflects the current record instead of a stale or modeled snapshot.
Each component behind 13365 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 13365 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.
What is driving ZIP 13365’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
13365 at a glance
The live 13365 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Herkimer County
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Unlock the full ZIP 13365 acquisition report
The full 13365 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology