ZIP 13861 Property Distress & Foreclosure Data

Composite property distress in 13861 (Otsego County, New York) lands at 17/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (75/100). On the structural side it scores 37/100, with 2/100 of stress already active.

Prices here sit in a expansion phase: values rose 6.3% over the trailing year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 0.2% live below the poverty line, a low share typical of higher-equity areas. 450 residents call 13861 home, typically aged 44. About 50% have a four-year degree. Around 0% of renters are cost-burdened. The tenure split is 58% owner-occupied to 42% rented. A median home runs $186,000 here, or 3.2 times local income. Households earn a median $57,047 — below the roughly $78,000 national figure. The vacancy rate is 7.9%. On demographic stress specifically, 13861 scores 20/100. The ZIP holds roughly 313 housing units.

Overall, 13861 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.