ZIP 13439 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 13439 in Otsego County, New York comes in at 19, a low composite-distress reading. Structural risk reads 42/100 against active distress of 2/100. Its standout signals are construction/permit lag (61/100), structural risk (42/100), institutional ownership (8/100). institutional ownership (8/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (69/100).

The market reads expansion — home values rose 6.7% year on year, and 57% higher over three years, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

3,667 residents call 13439 home, typically aged 38. The ZIP holds roughly 2,148 housing units. 13.5% of residents fall below the poverty threshold. Educational attainment sits at 30% bachelor's-or-above. Vacancy runs 36.0%, above the national norm and a classic distress-and-opportunity signal. Around 24% of renters are cost-burdened. 79% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 28/100. A median home runs $185,600 here, or 2.9 times local income. Households earn a median $63,681 — below the roughly $78,000 national figure.

Taken together, 13439 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 13439 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 13439 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 13439 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 13439 shows blanks, not estimates, wherever the record is sparse.

13439'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, 13439 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.