ZIP 13807 Property Distress & Foreclosure Data

Composite property distress in 13807 (Otsego County, New York) lands at 17/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. On the structural side it scores 37/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (75/100).

Prices here sit in a expansion phase: values rose 6.3% over the trailing year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $86,250 — near the roughly $78,000 national figure. Around 31% of renters are cost-burdened. The tenure split is 82% owner-occupied to 18% rented. The vacancy rate is 34.5% — elevated. Roughly 7.9% live below the poverty line. On demographic stress specifically, 13807 scores 25/100. About 35% have a four-year degree. The ZIP holds roughly 712 housing units. A median home runs $166,500 here, or 1.9 times local income. 1,260 residents call 13807 home, typically aged 48.

Taken together, 13807 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.