ZIP 13315 Foreclosure, Tax-Lien & Distress Report

In Otsego County, New York, ZIP 13315 scores 17 of 100 for composite distress, a low level on DLRadar's distress index. Its heaviest discrete signals: construction/permit lag (59/100), structural risk (38/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structurally it carries 38/100, against 2/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (75/100)).

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $65,417, median income runs below typical U.S. levels. There are about 618 housing units across 13315. Rent burden reaches 38% of tenant households. About 19% have a four-year degree. Vacancy runs 25.5%, above the national norm and a classic distress-and-opportunity signal. About 1,239 people live here, median age 53. The poverty rate is 15.1%. A median home runs $202,000 here, or 2.9 times local income. The demographic-stress sub-score lands at 30/100. 86% of housing is owner-occupied.

Taken together, 13315 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 13315 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 13315 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 13315, the field stays empty rather than modeled, and fills in as new documents post.

The 17/100 figure for 13315 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 13315 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.