ZIP 13834 Foreclosure, Tax-Lien & Distress Report

In Otsego County, New York, ZIP 13834 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are construction/permit lag (61/100), structural risk (38/100), institutional ownership (3/100). structural risk (38/100) and institutional ownership (3/100) stay muted. Structurally it carries 38/100, against 0/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (75/100).

The peak-phase market in 13834 posted values that rose 4.9% over the year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

108 residents call 13834 home, typically aged 73. The tenure split is 86% owner-occupied to 14% rented. On demographic stress specifically, 13834 scores 38/100. Around 100% of renters are cost-burdened. The vacancy rate is 0.0%. The ZIP holds roughly 51 housing units. 0.0% of residents fall below the poverty threshold. Median household income is $52,974, below the U.S. median near $78,000. Around 0% of adults hold a bachelor's degree or higher.

On balance 13834 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 13834 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Otsego County, New York and the nation. The score is rebuilt from public data as it updates, so 13834 reflects the current record instead of a stale or modeled snapshot.

The 18/100 for 13834 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 13834 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.