ZIP 13477 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13477 (Oneida County, New York) lands at 23/100 — low on DLRadar's public-record scoring. Structural risk reads 52/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). Property-level stress concentrates in structural risk (52/100), construction/permit lag (47/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100).

The expansion-phase market in 13477 posted values that rose 9.6% over the year, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 646 housing units across 13477. Rent burden reaches 3% of tenant households. About 1,468 people live here, median age 44. The vacancy rate is 6.3%. Educational attainment sits at 14% bachelor's-or-above. On demographic stress specifically, 13477 scores 20/100. Owners hold 81% of homes, renters 19%. The poverty rate is 11.6%. Home values center near $137,500, an affordability ratio of 1.9× — accessible. Households earn a median $63,500 — below the roughly $78,000 national figure.

On balance 13477 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 13477 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 13477 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Oneida County, New York and the nation. Where the public record is thin for 13477, the field stays empty rather than modeled, and fills in as new documents post.

Behind 13477'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. The point of the 13477 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.