ZIP 13320 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
DLRadar grades ZIP 13320 (Otsego County, New York) at a low 18/100 for overall property distress. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structural exposure scores 38 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (75/100).
The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
At $80,956, median income runs near typical U.S. levels. Vacancy runs 31.0%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 16.5% — high, a tax-stress and distress correlate. About 2,027 people live here, median age 42. Around 57% of renters are cost-burdened. A median home runs $184,600 here, or 2.4 times local income. About 36% have a four-year degree. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 1,053 housing units. The tenure split is 90% owner-occupied to 10% rented.
Net-net, 13320 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 13320 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 13320's 18/100 can be lined up against any neighbor in Otsego County, New York or any ZIP coast to coast. Where the public record is thin for 13320, the field stays empty rather than modeled, and fills in as new documents post.
Behind 13320's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 13320 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 13320
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 13320 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 13320, the same set carried on every parcel.
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Get the full acquisition report for 13320
The full 13320 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology