ZIP 13348 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13348 (Otsego County, New York) returns a low composite of 18/100. Its standout signals are construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). On the structural side it scores 38/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (75/100)).

The peak-phase market in 13348 posted values that rose 4.9% over the year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 82% owner-occupied to 18% rented. On demographic stress specifically, 13348 scores 29/100. Households earn a median $77,903 — near the roughly $78,000 national figure. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 7.4% — low. Educational attainment sits at 35% bachelor's-or-above. Around 65% of renters are cost-burdened. Home values center near $170,400, an affordability ratio of 2.4× — accessible. Population is roughly 1,529 with a median age of 44. The ZIP holds roughly 701 housing units.

Net-net, 13348 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 13348 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 13348'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 13348, the field stays empty rather than modeled, and fills in as new documents post.

13348's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 13348 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.