ZIP 13450 Foreclosure, Tax-Lien & Distress Report

ZIP code 13450 in Otsego County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. Its standout signals are construction/permit lag (59/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural exposure scores 38 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (75/100).

The peak-phase market in 13450 posted values that rose 4.9% over the year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

At $62,000, median income runs below typical U.S. levels. The vacancy rate is 31.3% — elevated. The poverty rate is 1.4% — low. About 6% have a four-year degree. Around 0% of renters are cost-burdened. Owners hold 69% of homes, renters 31%. 251 residents call 13450 home, typically aged 23. The demographic-stress sub-score lands at 48/100. The ZIP holds roughly 79 housing units. The typical home is worth about $172,500.

On the whole, 13450 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 13450 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 13450 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Otsego County, New York and the nation. Sparse data for 13450 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 17/100 for 13450 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 13450 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.