ZIP 13428 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 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.

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 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.