ZIP 13859 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
ZIP code 13859 in Otsego County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. Structural risk reads 38/100 against active distress of 0/100. Environmental exposure also runs high (climate & FEMA risk (75/100)). Property-level stress concentrates in construction/permit lag (59/100), structural risk (38/100), institutional ownership (3/100). structural risk (38/100) and institutional ownership (3/100) stay muted.
Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
The vacancy rate is 21.3% — elevated. 67% of housing is owner-occupied. 0.0% of residents fall below the poverty threshold. About 119 people live here, median age 39. Around 26% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 44/100. At $68,182, median income runs below typical U.S. levels. Around 0% of renters are cost-burdened. There are about 45 housing units across 13859.
On the whole, 13859 leans distressed, with opportunity clustered in specific stressed parcels. While 13859 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 13859 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13859 can be compared directly against any other ZIP in Otsego County, New York or nationwide. Sparse data for 13859 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 13859 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. In workflow terms, 13859 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 13859
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 13859 by the numbers
The live 13859 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Otsego County
Nearest ZIP codes to 13859
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Related ZIP, county and statewide reads linked to Otsego County, New York.
Unlock parcel-level detail for ZIP 13859
Get every distressed property in 13859 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Built from public records, scored the same way everywhere · methodology