ZIP 13820 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
Composite property distress in 13820 (Otsego County, New York) lands at 21/100 — low on DLRadar's public-record scoring. Structurally it carries 46/100, against 4/100 of stress already in motion. Its standout signals are construction/permit lag (56/100), structural risk (46/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (12/100). Environmental exposure also runs high (climate & FEMA risk (76/100)).
The market reads expansion — home values rose 5.2% year on year, and 19% higher over three years (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Home values center near $182,000, an affordability ratio of 2.7× — accessible. Owners hold 64% of homes, renters 36%. There are about 10,193 housing units across 13820. Educational attainment sits at 40% bachelor's-or-above. 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. 18.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 29/100. About 22,954 people live here, median age 32. Around 39% of renters are cost-burdened.
On the whole, 13820 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13820 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 13820 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 13820 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. Sparse data for 13820 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 13820 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 13820 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 13820
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 13820 Stress Report snapshot
The live 13820 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Otsego County
Related reports across Otsego County, New York
Additional distress intelligence spanning Otsego County, New York by ZIP, county and state.
Open the complete 13820 acquisition file
See who owns each distressed property in 13820, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
No modelling: every input is a public record · methodology