ZIP 13820 Property Distress & Foreclosure Data

Composite property distress in 13820 (Otsego County, New York) lands at 21/100 — low on DLRadar's public-record scoring. Structural exposure scores 45 and live distress 4 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (51/100), structural risk (45/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (12/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (76/100).

The market reads expansion — home values rose 6.4% year on year, and 19% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $182,000 (2.7× income, relatively affordable). 64% of housing is owner-occupied. There are about 10,193 housing units across 13820. Around 40% of adults hold a bachelor's degree or higher. Vacancy runs 19.1%, above the national norm and a classic distress-and-opportunity signal. At $66,217, median income runs below typical U.S. levels. The poverty rate is 18.4% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 29/100. About 22,954 people live here, median age 32. Rent burden reaches 39% of tenant households.

Net-net, 13820 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.