ZIP 13468 Foreclosure, Tax-Lien & Distress Report

In Otsego County, New York, ZIP 13468 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 38/100, against 0/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (38/100), institutional ownership (3/100). On the quiet end sit structural risk (38/100) and institutional ownership (3/100). It additionally carries heavy environmental risk: climate & FEMA risk (75/100).

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.

The ZIP holds roughly 129 housing units. Rent burden reaches 19% of tenant households. Owners hold 73% of homes, renters 27%. Vacancy runs 26.3%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 28/100. 9.3% of residents fall below the poverty threshold. Median household income is $61,979, below the U.S. median near $78,000. About 13% have a four-year degree. 305 residents call 13468 home, typically aged 38.

Net-net, 13468 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 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: 13468 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. 13468 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 18/100 figure for 13468 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. Treat 13468 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.