ZIP 13420 Foreclosure, Tax-Lien & Distress Report

ZIP code 13420 in Herkimer County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. The split runs 46/100 structural to 3/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (66/100), climate & FEMA risk (61/100)). Its heaviest discrete signals: construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (10/100) stay muted.

The market reads expansion — home values rose 9.6% year on year, and 28% higher over three years, at 85/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 82.4%, above the national norm and a classic distress-and-opportunity signal. Around 7% of renters are cost-burdened. The ZIP holds roughly 2,492 housing units. 87% of housing is owner-occupied. Educational attainment sits at 62% bachelor's-or-above. The poverty rate is 5.3% — low. About 890 people live here, median age 58. DLRadar's demographic-stress index for the area reads 25/100. The typical home is worth about $355,200 (3.2× income, relatively affordable). Households earn a median $107,770 — above the roughly $78,000 national figure.

On the whole, 13420 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 13420 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 13420's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 13420, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 13420 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, 13420 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.