ZIP 13407 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · Affordable market
ZIP 13407's composite property-distress score is 19/100 - DLRadar classes that as low for Herkimer County, New York. Its standout signals are construction/permit lag (50/100), structural risk (43/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (10/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100), climate & FEMA risk (61/100). Latent structural risk is 43/100 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.
Big metro or rural, 13407 runs through one identical scoring model, so its 19/100 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 19/100 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.
Signal-by-signal read on 13407
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
13407 at a glance
The live 13407 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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Get the full acquisition report for 13407
The full 13407 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology