ZIP 13488 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13488 (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 pressure is most legible in construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. The split runs 38/100 structural to 2/100 active on the ground.

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

The vacancy rate is 43.8% — elevated. Owners hold 86% of homes, renters 14%. Population is roughly 130 with a median age of 59. Educational attainment sits at 19% bachelor's-or-above. Rent burden reaches 30% of tenant households. Households earn a median $61,250 — below the roughly $78,000 national figure. The typical home is worth about $93,000 (1.5× income, relatively affordable). 6.2% of residents fall below the poverty threshold. There are about 118 housing units across 13488. DLRadar's demographic-stress index for the area reads 24/100.

Taken together, 13488 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.

Because one deterministic model scores every ZIP, 13488's 18/100 can be lined up against any neighbor in Otsego County, New York or any ZIP coast to coast. Where the public record is thin for 13488, the field stays empty rather than modeled, and fills in as new documents post.

13488'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. Treat 13488 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.