ZIP 13488 Property Distress & Foreclosure Data

Composite property distress in 13488 (Otsego County, New York) lands at 17/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (75/100)). The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural risk reads 37/100 against active distress of 2/100.

The expansion-phase market in 13488 posted values that rose 6.3% over the year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 43.8%, above the national norm and a classic distress-and-opportunity signal. 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. Median household income is $61,250, below the U.S. median near $78,000. Home values center near $93,000, an affordability ratio of 1.5× — accessible. 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.

On the whole, 13488 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.