ZIP 13491 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13491 (Otsego County, New York) lands at 19/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (68/100). The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (43/100), institutional ownership (9/100). institutional ownership (9/100) and mortgage stress (7/100) stay muted. Structurally it carries 43/100, against 2/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 6.8% over the trailing year, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 82% owner-occupied to 18% rented. Vacancy runs 14.9%, above the national norm and a classic distress-and-opportunity signal. A median home runs $151,400 here, or 2.0 times local income. There are about 1,456 housing units across 13491. 3,570 residents call 13491 home, typically aged 38. Households earn a median $72,500 — near the roughly $78,000 national figure. On demographic stress specifically, 13491 scores 25/100. Roughly 13.1% live below the poverty line. Educational attainment sits at 21% bachelor's-or-above. Rent burden reaches 28% of tenant households.

On the whole, 13491 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 13491 at the moment; the composite and its components are still built from verifiable public records.

The 13491 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 13491 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. 13491 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 19/100 figure for 13491 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. The point of the 13491 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.