ZIP 13810 Property Distress & Foreclosure Data

DLRadar grades ZIP 13810 (Otsego County, New York) at a low 17/100 for overall property distress. Property-level stress concentrates in 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.

Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 1,195 residents call 13810 home, typically aged 55. The ZIP holds roughly 628 housing units. On demographic stress specifically, 13810 scores 26/100. About 36% have a four-year degree. The tenure split is 80% owner-occupied to 20% rented. Around 31% of renters are cost-burdened. A median home runs $228,400 here, or 2.4 times local income. Households earn a median $90,577 — above the roughly $78,000 national figure. The vacancy rate is 21.3% — elevated.

Taken together, 13810 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.