ZIP 13440 Foreclosure, Tax-Lien & Distress Report

In Oneida County, New York, ZIP 13440 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 52/100 structural and 2/100 already moving. The sharpest non-environmental signals are structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100).

The expansion-phase market in 13440 posted values that rose 9.6% over the year, and 15% higher over three years, at 85/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 19,599 housing units across 13440. Households earn a median $65,497 — below the roughly $78,000 national figure. Home values center near $169,100, an affordability ratio of 2.4× — accessible. 63% of housing is owner-occupied. Around 32% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 28/100. Vacancy runs 8.5%. Around 23% of adults hold a bachelor's degree or higher. Population is roughly 41,273 with a median age of 42. 15.0% of residents fall below the poverty threshold.

Net-net, 13440 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 13440 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 13440's 23/100 can be lined up against any neighbor in Oneida County, New York or any ZIP coast to coast. 13440 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 13440's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 13440 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.