ZIP 13849 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 13849 in Otsego County, New York comes in at 23, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (77/100). Structural exposure scores 51 and live distress 5 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (51/100), institutional ownership (27/100). By contrast, institutional ownership (27/100) and mortgage stress (15/100) register low.

The expansion-phase market in 13849 posted values that rose 5.4% over the year, at 37/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 23.3%, above the national norm and a classic distress-and-opportunity signal. Roughly 13.1% live below the poverty line. Rent burden reaches 31% of tenant households. About 23% have a four-year degree. The typical home is worth about $137,400 (2.2× income, relatively affordable). The tenure split is 81% owner-occupied to 19% rented. Households earn a median $55,884 — below the roughly $78,000 national figure. About 4,351 people live here, median age 50. On demographic stress specifically, 13849 scores 26/100. The ZIP holds roughly 2,374 housing units.

On the whole, 13849 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 13849 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 13849 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13849 can be compared directly against any other ZIP in Otsego County, New York or nationwide. The score is rebuilt from public data as it updates, so 13849 reflects the current record instead of a stale or modeled snapshot.

13849's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 13849 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.