ZIP 13409 Foreclosure, Tax-Lien & Distress Report
Madison County, New York · Affordable market
In Madison County, New York, ZIP 13409 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are construction/permit lag (59/100), structural risk (50/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (83/100), climate & FEMA risk (64/100)). Latent structural risk is 50/100 while live distress already moving reads 3/100.
The market reads expansion — home values rose 6.1% year on year (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Rent burden reaches 20% of tenant households. Roughly 10.6% live below the poverty line. Home values center near $137,300, an affordability ratio of 1.8× — accessible. About 14% have a four-year degree. DLRadar's demographic-stress index for the area reads 22/100. 88% of housing is owner-occupied. Median household income is $69,103, near the U.S. median near $78,000. There are about 969 housing units across 13409. About 2,123 people live here, median age 49. The vacancy rate is 10.0%.
On balance 13409 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 13409 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Whether 13409 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13409 can be compared directly against any other ZIP in Madison County, New York or nationwide. The score is rebuilt from public data as it updates, so 13409 reflects the current record instead of a stale or modeled snapshot.
The 22/100 figure for 13409 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, 13409 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.
ZIP 13409 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 — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 13409 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 13409, the same set carried on every parcel.
More ZIPs across Madison County
More distress data near 13409
Additional distress intelligence spanning Madison County, New York by ZIP, county and state.
Get the full acquisition report for 13409
The full 13409 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology