ZIP 13490 Property Distress & Foreclosure Data

In Oneida County, New York, ZIP 13490 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (49/100), construction/permit lag (36/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. On the structural side it scores 49/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100).

The market reads expansion — home values rose 7.1% year on year (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

100% of housing is owner-occupied. The typical home is worth about $254,000 (2.1× income, relatively affordable). The vacancy rate is 0.0%. The ZIP holds roughly 491 housing units. The demographic-stress sub-score lands at 16/100. At $98,750, median income runs above typical U.S. levels. Around 36% of adults hold a bachelor's degree or higher. The poverty rate is 0.0% — low. About 1,346 people live here, median age 30.

Overall 13490 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.