ZIP 13825 Foreclosure, Tax-Lien & Distress Report

ZIP 13825's composite property-distress score is 18/100 - DLRadar classes that as low for Otsego County, New York. The pressure is most legible in construction/permit lag (61/100), structural risk (39/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (4/100). It additionally carries heavy environmental risk: climate & FEMA risk (75/100). On the structural side it scores 39/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $73,966, median income runs near typical U.S. levels. About 29% have a four-year degree. The demographic-stress sub-score lands at 26/100. Around 35% of renters are cost-burdened. About 2,785 people live here, median age 49. Home values center near $194,500, an affordability ratio of 2.5× — accessible. The poverty rate is 6.5% — low. Vacancy runs 21.7%, above the national norm and a classic distress-and-opportunity signal. 76% of housing is owner-occupied. The ZIP holds roughly 1,605 housing units.

On the whole, 13825 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 13825 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 13825, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 13825 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. Practically, 13825 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.