ZIP 13495 Foreclosure, Tax-Lien & Distress Report

In Oneida County, New York, ZIP 13495 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 52/100, with 2/100 of stress already active. The pressure is most legible 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). Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (72/100).

The expansion-phase market in 13495 posted values that rose 9.6% over the year, at 85/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 1,009 housing units. A median home runs $159,800 here, or 2.3 times local income. The vacancy rate is 4.9%. The poverty rate is 5.0% — low. 1,889 residents call 13495 home, typically aged 36. Around 24% of renters are cost-burdened. Median household income is $63,517, below the U.S. median near $78,000. Around 31% of adults hold a bachelor's degree or higher. The tenure split is 61% owner-occupied to 39% rented. DLRadar's demographic-stress index for the area reads 23/100.

Overall, 13495 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 13495 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 13495 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 13495 stays directly comparable to neighboring ZIPs and the rest of Oneida County, New York. Nothing here is interpolated — where a source is thin for 13495, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 for 13495 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, 13495 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.