ZIP 13776 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
DLRadar grades ZIP 13776 (Otsego County, New York) at a low 18/100 for overall property distress. The split runs 38/100 structural to 2/100 active on the ground. Its standout signals are 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. Climate and flood risk are elevated too — climate & FEMA risk (75/100).
The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
Population is roughly 395 with a median age of 48. A median home runs $161,500 here, or 2.1 times local income. The tenure split is 82% owner-occupied to 18% rented. Median household income is $72,000, near the U.S. median near $78,000. Educational attainment sits at 39% bachelor's-or-above. The demographic-stress sub-score lands at 21/100. Vacancy runs 28.3%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 17% of tenant households. There are about 206 housing units across 13776. 6.6% of residents fall below the poverty threshold.
On the whole, 13776 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13776 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 13776 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 13776 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. Nothing here is interpolated — where a source is thin for 13776, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 for 13776 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 13776 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 13776 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
13776 at a glance
Current distress, phase, housing and lender-pressure figures for 13776, drawn from the same report attached to each property.
Other Otsego County ZIP codes
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Built from public records, scored the same way everywhere · methodology