ZIP 13315 Foreclosure, Tax-Lien & Distress Report

In Otsego County, New York, ZIP 13315 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (61/100), 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 18/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 13315, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 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.