ZIP 13406 Property Distress & Foreclosure Data

Composite property distress in 13406 (Herkimer County, New York) lands at 22/100 — low on DLRadar's public-record scoring. Structural exposure scores 51 and live distress 3 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (78/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (67/100), climate & FEMA risk (61/100).

The market reads expansion — home values rose 7.1% year on year, at 47/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 215 housing units across 13406. The poverty rate is 9.7%. About 491 people live here, median age 33. The demographic-stress sub-score lands at 18/100. 96% of housing is owner-occupied. Rent burden reaches 0% of tenant households. The typical home is worth about $153,300 (1.4× income, relatively affordable). At $98,000, median income runs above typical U.S. levels. Vacancy runs 24.3%, above the national norm and a classic distress-and-opportunity signal. Around 19% of adults hold a bachelor's degree or higher.

Net-net, 13406 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.