ZIP 13415 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Poverty market
ZIP code 13415 in Otsego County, New York carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 38/100 against active distress of 0/100. Environmental exposure also runs high (climate & FEMA risk (75/100)). The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (38/100), institutional ownership (3/100). structural risk (38/100) and institutional ownership (3/100) stay muted.
The peak-phase market in 13415 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Vacancy runs 0.0%. There are about 45 housing units across 13415. Owners hold 100% of homes, renters 0%. Households earn a median $85,417 — near the roughly $78,000 national figure. 92 residents call 13415 home, typically aged 61. On demographic stress specifically, 13415 scores 20/100. 25.0% of residents fall below the poverty threshold. Around 39% of adults hold a bachelor's degree or higher.
On the whole, 13415 leans distressed, with opportunity clustered in specific stressed parcels. While 13415 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: 13415 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 13415, the field stays empty rather than modeled, and fills in as new documents post.
13415'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. In workflow terms, 13415 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 13415’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 13415 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 13415, the same set carried on every parcel.
Adjacent Otsego County ZIP reports
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Otsego County, New York.
The complete 13415 distress and acquisition report
Every distressed parcel in 13415 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology