ZIP 13502 Foreclosure, Tax-Lien & Distress Report

ZIP code 13502 in Oneida County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (70/100). Structural risk reads 49/100 against active distress of 2/100. Property-level stress concentrates in structural risk (49/100), construction/permit lag (48/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100).

The market reads expansion — home values rose 9.6% year on year, and 21% higher over three years (phase confidence 85/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $59,530 — below the roughly $78,000 national figure. The tenure split is 60% owner-occupied to 40% rented. 33,241 residents call 13502 home, typically aged 38. Around 42% of renters are cost-burdened. The ZIP holds roughly 15,572 housing units. About 25% have a four-year degree. DLRadar's demographic-stress index for the area reads 31/100. A median home runs $158,000 here, or 2.5 times local income. 20.1% of residents fall below the poverty threshold. The vacancy rate is 10.7%.

On the whole, 13502 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 13502 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 13502 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13502 can be compared directly against any other ZIP in Oneida County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 13502 shows blanks, not estimates, wherever the record is sparse.

13502's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 13502 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.