ZIP 13796 Foreclosure, Tax-Lien & Distress Report

In Otsego County, New York, ZIP 13796 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 38/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: 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). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The peak-phase market in 13796 posted values that rose 4.9% over the year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

76% of housing is owner-occupied. There are about 586 housing units across 13796. Vacancy runs 29.1%, above the national norm and a classic distress-and-opportunity signal. Around 31% of renters are cost-burdened. 915 residents call 13796 home, typically aged 52. About 31% have a four-year degree. Households earn a median $63,750 — below the roughly $78,000 national figure. The poverty rate is 6.8% — low. The typical home is worth about $166,900 (2.3× income, relatively affordable). On demographic stress specifically, 13796 scores 25/100.

Taken together, 13796 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 13796 at the moment; the composite and its components are still built from verifiable public records.

The 13796 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 13796 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. 13796 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

13796'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. For an operator, 13796 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.