ZIP 13810 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 13810 in Otsego County, New York comes in at 18, a low composite-distress reading. Leading the profile are construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 38/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (75/100)).
The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 1,195 people live here, median age 55. There are about 628 housing units across 13810. The demographic-stress sub-score lands at 26/100. Educational attainment sits at 36% bachelor's-or-above. 80% of housing is owner-occupied. Rent burden reaches 31% of tenant households. Home values center near $228,400, an affordability ratio of 2.4× — accessible. Median household income is $90,577, above the U.S. median near $78,000. The vacancy rate is 21.3% — elevated.
On the whole, 13810 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 13810 at the moment; the composite and its components are still built from verifiable public records.
Whether 13810 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13810 can be compared directly against any other ZIP in Otsego County, New York or nationwide. Sparse data for 13810 shows as blanks, never estimates, and the score updates on every fresh public filing.
13810's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 13810 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 13810
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 13810 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Otsego County
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Deterministic scoring, sourced entirely from public data · methodology