ZIP 13457 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13457 (Otsego County, New York) lands at 18/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (75/100)). The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 38/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 100% of renters are cost-burdened. 38 residents call 13457 home, typically aged 60. Home values center near $67,100. On demographic stress specifically, 13457 scores 58/100. 52% of housing is owner-occupied. The ZIP holds roughly 50 housing units. The poverty rate is 34.2% — high, a tax-stress and distress correlate. About 9% have a four-year degree. The vacancy rate is 50.9% — elevated.

Taken together, 13457 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 13457 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. The score is rebuilt from public data as it updates, so 13457 reflects the current record instead of a stale or modeled snapshot.

Each component behind 13457 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. The point of the 13457 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.