ZIP 13807 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 13807 in Otsego County, New York comes in at 17, a low composite-distress reading. What sets it apart are the readings on construction/permit lag (59/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural risk reads 38/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (75/100).

The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $86,250, median income runs near typical U.S. levels. Rent burden reaches 31% of tenant households. Owners hold 82% of homes, renters 18%. The vacancy rate is 34.5% — elevated. 7.9% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. Educational attainment sits at 35% bachelor's-or-above. The ZIP holds roughly 712 housing units. The typical home is worth about $166,500 (1.9× income, relatively affordable). Population is roughly 1,260 with a median age of 48.

Taken together, 13807 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 13807 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 13807 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Otsego County, New York and the nation. Every figure is auditable to a public dataset and refreshed as records update; 13807 shows blanks, not estimates, wherever the record is sparse.

The 17/100 figure for 13807 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. In workflow terms, 13807 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.