ZIP 13411 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13411 (Otsego County, New York) lands at 23/100 — low on DLRadar's public-record scoring. On the structural side it scores 52/100, with 4/100 of stress already active. Leading the profile are construction/permit lag (61/100), structural risk (52/100), institutional ownership (26/100). On the quiet end sit institutional ownership (26/100) and mortgage stress (14/100). Environmental exposure also runs high (climate & FEMA risk (73/100)).

The market reads expansion — home values rose 5.4% year on year, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

78% of housing is owner-occupied. There are about 1,462 housing units across 13411. 2,920 residents call 13411 home, typically aged 44. Vacancy runs 21.2%, above the national norm and a classic distress-and-opportunity signal. A median home runs $121,900 here, or 2.0 times local income. Around 25% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 27/100. 19.8% of residents fall below the poverty threshold. Median household income is $58,651, below the U.S. median near $78,000. Educational attainment sits at 17% bachelor's-or-above.

On the whole, 13411 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13411 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 13411 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13411 can be compared directly against any other ZIP in Otsego County, New York or nationwide. Sparse data for 13411 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 figure for 13411 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. For an operator, 13411 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.