ZIP 13861 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13861 (Otsego County, New York) at a low 18/100 for overall property distress. What sets it apart are the readings on construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (75/100)). Latent structural risk is 38/100 while live distress already moving reads 2/100.

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

0.2% of residents fall below the poverty threshold. 450 residents call 13861 home, typically aged 44. Around 50% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. Owners hold 58% of homes, renters 42%. Home values center near $186,000, an affordability ratio of 3.2× — accessible. Households earn a median $57,047 — below the roughly $78,000 national figure. The vacancy rate is 7.9%. The demographic-stress sub-score lands at 20/100. There are about 313 housing units across 13861.

Overall, 13861 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 13861 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 13861 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 13861 stays directly comparable to neighboring ZIPs and the rest of Otsego County, New York. Where the public record is thin for 13861, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 for 13861 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, 13861 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.