ZIP 13492 Foreclosure, Tax-Lien & Distress Report

ZIP code 13492 in Oneida County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). 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). institutional ownership (16/100) and mortgage stress (8/100) stay muted.

The expansion-phase market in 13492 posted values that rose 9.6% over the year, and 29% higher over three years, at 85/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $84,543, median income runs near typical U.S. levels. There are about 5,270 housing units across 13492. Roughly 8.4% live below the poverty line. Around 37% of adults hold a bachelor's degree or higher. The typical home is worth about $207,900 (2.3× income, relatively affordable). The tenure split is 77% owner-occupied to 23% rented. Vacancy runs 3.9%. The demographic-stress sub-score lands at 22/100. Rent burden reaches 27% of tenant households. 11,233 residents call 13492 home, typically aged 43.

Overall 13492 looks resilient on the surface, so the edge is isolating individual stressed parcels. 13492 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, 13492's 23/100 can be lined up against any neighbor in Oneida County, New York or any ZIP coast to coast. 13492 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 23/100 for 13492 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 13492 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.