ZIP 13482 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 13482 in Otsego County, New York comes in at 18, a low composite-distress reading. Structurally it carries 38/100, against 2/100 of stress already in motion. 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). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 27/100. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 100% of housing is owner-occupied. A median home runs $168,200 here, or 3.0 times local income. Vacancy runs 47.3%, above the national norm and a classic distress-and-opportunity signal. About 73 people live here, median age 55. Households earn a median $56,477 — below the roughly $78,000 national figure. Educational attainment sits at 12% bachelor's-or-above. There are about 61 housing units across 13482.

Taken together, 13482 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.

The number is not local guesswork: 13482's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 13482, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

13482's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 13482 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.