ZIP 13406 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · High Vacancy market
Scored purely from public records, 13406 (Herkimer County, New York) returns a low composite of 20/100. Structural exposure scores 46 and live distress 3 on the 0–100 scale. The pressure is most legible in 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 (phase confidence 85/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
There are about 215 housing units across 13406. Roughly 9.7% live below the poverty line. Population is roughly 491 with a median age of 33. On demographic stress specifically, 13406 scores 18/100. Owners hold 96% of homes, renters 4%. Around 0% of renters are cost-burdened. Home values center near $153,300, an affordability ratio of 1.4× — accessible. Median household income is $98,000, above the U.S. median near $78,000. The vacancy rate is 24.3% — elevated. About 19% have a four-year degree.
Net-net, 13406 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13406 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 13406 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 13406 reflects the current record instead of a stale or modeled snapshot.
13406's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 13406 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 13406 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 13406 by the numbers
A live read on 13406: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Herkimer County ZIPs near 13406
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Rules-based scoring — each signal ties to a public dataset · methodology