Otsego County, NY: Foreclosures, Tax Liens & Distressed Properties

Otsego County, New York is scored end-to-end by DLRadar for property distress, drawn only from deterministic public records. DLRadar scores 46 ZIPs here, with a mean composite of 19/100. ZIP-level distress ranges from 30/100 at the top down to 11/100. On bank and credit headwind, Otsego County scores 57/100.

The county market is in a peak phase: home prices rose 4.9% over the past year, at 36/100 phase confidence. With pricing topped out, the average masks the outliers leaving the wins in individual deals.

Otsego County's topped-out +4.9% YoY (36/100 confidence) means selectivity rules so the headline market won't hand it over. Mid-range bank stress at 57/100 points to a blend the ZIP scores sort out.

The sharpest Otsego County readings come from 13733 (30/100), 13750 (28/100), 13775 (28/100), 13838 (28/100), 13843 (24/100), 13411 (23/100) — open any for the parcel detail. Coverage extends to 13809, 13849, 13485, 13820, 13317, 12155, 13361, 13439, 13491, 12116 among others.

By the numbers, Otsego County's scored ZIPs come in at home values averaging roughly $166,420, below the US, 80% of homes owner-occupied, a median age of 45.7, poverty running near 11%, vacancy near 26%, incomes around $67,121. These fundamentals shape which owners come under strain and how quickly stock clears.

At 19/100 composite over 46 ZIPs, Otsego County is a screen-by-ZIP market for a disciplined buyer. Inside DLRadar, each Otsego County property carries owner, mailing address, APN, a score, the bank behind the note and how fast it should sell.

Whether Otsego County, New York carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Otsego County can be compared directly against any county in the country.

Otsego County, New York is best worked from the top of the score down; blanket outreach across Otsego County dilutes effort that the ZIP-level numbers would have focused. All Otsego County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

Drilling in, Otsego County's highest-scoring ZIPs are 13733 (30/100), 13750 (28/100), 13775 (28/100), 13838 (28/100), 13843 (24/100), 13411 (23/100). DLRadar also scores 13809, 13849, 13485, 13820, 13317, 12155, 13361, 13439 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

DLRadar's composite for Otsego County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.