ZIP 13326 Foreclosure, Tax-Lien & Distress Report

Otsego County, New York's ZIP 13326 registers 18/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (75/100). On the structural side it scores 38/100, with 2/100 of stress already active. Leading the profile are construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 4.9% year on year, and 31% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

72% of housing is owner-occupied. Roughly 8.4% live below the poverty line. 4,536 residents call 13326 home, typically aged 55. Rent burden reaches 18% of tenant households. Vacancy runs 29.8%, above the national norm and a classic distress-and-opportunity signal. About 49% have a four-year degree. There are about 2,699 housing units across 13326. The demographic-stress sub-score lands at 29/100. Median household income is $70,977, near the U.S. median near $78,000. A median home runs $340,100 here, or 4.3 times local income.

Net-net, 13326 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 13326 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 13326 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. The score is rebuilt from public data as it updates, so 13326 reflects the current record instead of a stale or modeled snapshot.

13326's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 13326 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.