ZIP 13428 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13428 (Montgomery County, New York) returns a low composite of 20/100. Environmental exposure also runs high (climate & FEMA risk (63/100)). The pressure is most legible in construction/permit lag (100/100), structural risk (45/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. The split runs 45/100 structural to 1/100 active on the ground.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 760 housing units across 13428. Home values center near $180,500, an affordability ratio of 2.3× — accessible. On demographic stress specifically, 13428 scores 25/100. The tenure split is 74% owner-occupied to 26% rented. Educational attainment sits at 25% bachelor's-or-above. Around 21% of renters are cost-burdened. The vacancy rate is 12.4% — elevated. At $73,250, median income runs near typical U.S. levels. 1,470 residents call 13428 home, typically aged 52. The poverty rate is 15.1%.

Taken together, 13428 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 13428 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 13428 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 13428, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 13428 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. For an operator, 13428 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.