ZIP 13407 Foreclosure, Tax-Lien & Distress Report

ZIP 13407's composite property-distress score is 20/100 - DLRadar classes that as low for Herkimer County, New York. Its standout signals are construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (10/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (66/100), climate & FEMA risk (61/100). Latent structural risk is 46/100 while live distress already moving reads 3/100.

The expansion-phase market in 13407 posted values that rose 9.6% over the year, and 22% higher over three years, at 85/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 23% of adults hold a bachelor's degree or higher. About 5,125 people live here, median age 48. The ZIP holds roughly 2,325 housing units. Around 23% of renters are cost-burdened. Median household income is $72,700, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 23/100. 13.6% of residents fall below the poverty threshold. Vacancy runs 8.5%. 80% of housing is owner-occupied. The typical home is worth about $149,100 (1.9× income, relatively affordable).

Net-net, 13407 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 13407 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 13407 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Herkimer County, New York and the nation. Nothing here is interpolated — where a source is thin for 13407, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 for 13407 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 13407 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.