ZIP 13409 Property Distress & Foreclosure Data

In Madison County, New York, ZIP 13409 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (60/100), structural risk (50/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (64/100). The latent-versus-live split is 50/100 structural and 3/100 already moving.

The market reads expansion — home values rose 8.0% year on year (phase confidence 52/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 20% of renters are cost-burdened. The poverty rate is 10.6%. The typical home is worth about $137,300 (1.8× income, relatively affordable). Around 14% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 22/100. 88% of housing is owner-occupied. At $69,103, median income runs near typical U.S. levels. The ZIP holds roughly 969 housing units. About 2,123 people live here, median age 49. The vacancy rate is 10.0%.

Net-net, 13409 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.