Schoharie County, NY: Foreclosures, Tax Liens & Distressed Properties

Every ZIP in Schoharie County, New York carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. On bank and credit headwind, Schoharie County scores 71/100, a stressed reading. The county's ZIP scores run from 11 up to 23/100. The county spans 24 scored ZIP codes, averaging 14/100 composite distress.

Currently expansion, Schoharie County saw prices rise 6.6% year over year (phase confidence 39/100). While the county appreciates, pockets of distress persist so the laggard ZIPs are the opening.

With growth of +6.6% YoY (39/100 confidence), liquidity improves for clean exits so buy those and momentum helps on exit. Bank stress at 71/100 is a buyer tailwind: banks under pressure move REO faster.

The sharpest Schoharie County readings come from 12023 (23/100), 12053 (22/100), 12469 (21/100), 12066 (20/100), 12166 (20/100), 12167 (19/100) — open any for the parcel detail. Other tracked Schoharie County ZIPs include 12064, 12093, 12160, 13459, 12122, 12036, 12149, 12157, 12031, 12035.

Demographically, Schoharie County's tracked footprint run incomes around $75,667, 84% owner-occupancy, 9.2% of households below the poverty line, home values averaging roughly $197,846, below the US, 28.4% of units sitting vacant, residents with a median age around 46.5. Numbers like these frame the kind of distress to expect and the buyer pool on exit.

All in at 14/100 over 24 ZIPs, Schoharie County is a screen-by-ZIP market and not a county-wide play. Unlock Schoharie County to see every parcel's owner, address and APN, a distress score and bank-exposure read.

The distress read for Schoharie County, New York is refreshed as new public records post and uses the same methodology coast to coast, so Schoharie County stays directly comparable to any other market you track.

Used properly, Schoharie County, New York's scores are a triage layer: they rank where motivated sellers cluster so acquisition spend goes to the ZIPs that convert rather than across Schoharie County as a whole. The Schoharie County scoring is reproducible from public sources alone, and DLRadar declines to estimate where the underlying record is incomplete.

Drilling in, Schoharie County's highest-scoring ZIPs are 12023 (23/100), 12053 (22/100), 12469 (21/100), 12066 (20/100), 12166 (20/100), 12167 (19/100). DLRadar also scores 12064, 12093, 12160, 13459, 12122, 12036, 12149, 12157 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Schoharie County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.