ZIP 13796 Property Distress & Foreclosure Data

ZIP code 13796 in Otsego County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 37/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). What sets it apart are the readings on construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 6.3% year on year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

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. Rent burden reaches 31% of tenant households. About 915 people live here, median age 52. Around 31% of adults hold a bachelor's degree or higher. At $63,750, median income runs below typical U.S. levels. The poverty rate is 6.8% — low. The typical home is worth about $166,900 (2.3× income, relatively affordable). The demographic-stress sub-score lands at 25/100.

Net-net, 13796 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.