ZIP 13421 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13421 (Madison County, New York) returns a low composite of 22/100. What sets it apart are the readings on construction/permit lag (56/100), structural risk (50/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (9/100) register low. The split runs 50/100 structural to 3/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100), climate & FEMA risk (68/100).

The market reads expansion — home values rose 6.7% year on year, and 27% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 26% of adults hold a bachelor's degree or higher. 68% of housing is owner-occupied. The ZIP holds roughly 6,076 housing units. Around 40% of renters are cost-burdened. The poverty rate is 11.4%. Home values center near $162,000, an affordability ratio of 2.3× — accessible. Median household income is $63,732, below the U.S. median near $78,000. On demographic stress specifically, 13421 scores 27/100. 12,742 residents call 13421 home, typically aged 46. Vacancy runs 6.4%.

Overall, 13421 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 13421 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 13421 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 13421 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 22/100 for 13421 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, 13421 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.