ZIP 13416 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · Affordable market
Composite property distress in 13416 (Herkimer County, New York) lands at 19/100 — low on DLRadar's distress scoring. Leading the profile 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. Structurally it carries 43/100, against 3/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100), climate & FEMA risk (61/100).
The expansion-phase market in 13416 posted values that rose 9.6% over the year, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Median household income is $83,125, near the U.S. median near $78,000. The typical home is worth about $185,500 (1.9× income, relatively affordable). Roughly 12.1% live below the poverty line. Around 18% of adults hold a bachelor's degree or higher. There are about 1,034 housing units across 13416. The demographic-stress sub-score lands at 25/100. About 2,120 people live here, median age 45. 84% of housing is owner-occupied. Rent burden reaches 34% of tenant households. The vacancy rate is 11.7% — elevated.
On balance, 13416 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 13416 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 13416's 19/100 can be lined up against any neighbor in Herkimer County, New York or any ZIP coast to coast. 13416 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 19/100 for 13416 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 13416 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 13416’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
13416 at a glance
The live 13416 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Herkimer County
Nearest ZIP codes to 13416
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Related ZIP, county and statewide reads linked to Herkimer County, New York.
Open the complete 13416 acquisition file
Pull every distressed parcel in 13416 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Deterministic scoring, sourced entirely from public data · methodology