ZIP 13809 Foreclosure, Tax-Lien & Distress Report

Otsego County, New York's ZIP 13809 registers 23/100 composite distress, which DLRadar reads as low. Its standout signals are construction/permit lag (61/100), structural risk (52/100), institutional ownership (27/100). institutional ownership (27/100) and mortgage stress (14/100) stay muted. Latent structural risk is 52/100 while live distress already moving reads 4/100. Environmental exposure also runs high (climate & FEMA risk (73/100)).

The market reads expansion — home values rose 5.4% year on year, at 37/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $56,071, median income runs below typical U.S. levels. Rent burden reaches 21% of tenant households. The ZIP holds roughly 774 housing units. The vacancy rate is 20.5% — elevated. Roughly 11.5% live below the poverty line. The typical home is worth about $206,900 (3.2× income, relatively affordable). About 1,688 people live here, median age 39. The demographic-stress sub-score lands at 28/100. About 15% have a four-year degree. 81% of housing is owner-occupied.

Taken together, 13809 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.

The 13809 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 13809 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. 13809 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

13809's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 13809 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.