ZIP 13403 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13403 (Oneida County, New York) returns a low composite of 23/100. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). The split runs 52/100 structural to 2/100 active on the ground. What sets it apart are the readings on structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 9.6% over the trailing year, and 13% lower over three years, at 85/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The poverty rate is 7.4% — low. Vacancy runs 6.2%. Around 34% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 24/100. Households earn a median $100,060 — above the roughly $78,000 national figure. Owners hold 81% of homes, renters 19%. Population is roughly 7,133 with a median age of 35. Home values center near $226,600, an affordability ratio of 2.1× — accessible. Educational attainment sits at 19% bachelor's-or-above. The ZIP holds roughly 2,097 housing units.

On balance, 13403 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 13403 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 13403 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13403 can be compared directly against any other ZIP in Oneida County, New York or nationwide. Where the public record is thin for 13403, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 13403 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. Practically, 13403 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.