ZIP 13454 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · High Vacancy market
Herkimer County, New York's ZIP 13454 registers 19/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (50/100), structural risk (43/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) register low. The split runs 43/100 structural to 0/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (63/100), climate & FEMA risk (61/100)).
Prices here sit in a expansion phase: values rose 9.6% over the trailing year (phase confidence 85/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Population is roughly 754 with a median age of 44. The vacancy rate is 19.9% — elevated. Around 84% of renters are cost-burdened. The ZIP holds roughly 386 housing units. The poverty rate is 11.2%. Educational attainment sits at 13% bachelor's-or-above. Median household income is $100,156, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 57/100. 92% of housing is owner-occupied.
Net-net, 13454 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13454 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 13454's 19/100 can be lined up against any neighbor in Herkimer County, New York or any ZIP coast to coast. Where the record is thin for 13454, the field stays empty rather than modeled, and fills in as new documents post.
The 19/100 figure for 13454 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, 13454 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 13454 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
13454 at a glance
Current distress, phase, housing and lender-pressure figures for 13454, drawn from the same report attached to each property.
Adjacent Herkimer County ZIP reports
Nearest ZIP codes to 13454
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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