ZIP 13808 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13808 (Otsego County, New York) returns a low composite of 18/100. Environmental exposure also runs high (climate & FEMA risk (75/100)). The pressure is most legible 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. Latent structural risk is 38/100 while live distress already moving reads 2/100.

The peak-phase market in 13808 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 830 housing units. 80% of housing is owner-occupied. A median home runs $167,300 here, or 2.6 times local income. DLRadar's demographic-stress index for the area reads 26/100. At $60,682, median income runs below typical U.S. levels. Vacancy runs 22.0%, above the national norm and a classic distress-and-opportunity signal. Roughly 11.2% live below the poverty line. Around 37% of adults hold a bachelor's degree or higher. About 1,486 people live here, median age 40. Around 30% of renters are cost-burdened.

Taken together, 13808 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 13808 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 13808 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Otsego County, New York and the nation. Where the public record is thin for 13808, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 figure for 13808 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, 13808 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.