ZIP 13476 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 13476 in Oneida County, New York comes in at 23, a low composite-distress reading. What sets it apart are the readings on structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (72/100)). Structural risk reads 52/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 9.6% over the trailing year, and 40% higher over three years (phase confidence 85/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $63,480 — below the roughly $78,000 national figure. Around 28% of renters are cost-burdened. Educational attainment sits at 18% bachelor's-or-above. Home values center near $204,000, an affordability ratio of 2.8× — accessible. Population is roughly 2,540 with a median age of 49. There are about 1,258 housing units across 13476. The poverty rate is 8.9%. The demographic-stress sub-score lands at 27/100. The tenure split is 61% owner-occupied to 39% rented. Vacancy runs 8.9%.

Overall, 13476 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 13476 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 13476's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 13476 reflects the current record instead of a stale or modeled snapshot.

Behind 13476'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. Practically, 13476 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.