ZIP 12031 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · High Vacancy market
ZIP code 12031 in Schoharie County, New York carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. The split runs 24/100 structural to 2/100 active on the ground. Leading the profile are construction/permit lag (42/100), structural risk (24/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.
The expansion-phase market in 12031 posted values that rose 6.6% over the year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Median household income is $83,056, near the U.S. median near $78,000. The ZIP holds roughly 74 housing units. Owners hold 78% of homes, renters 22%. On demographic stress specifically, 12031 scores 28/100. The poverty rate is 5.8% — low. About 224 people live here, median age 53. Educational attainment sits at 22% bachelor's-or-above. The typical home is worth about $270,200 (3.5× income, relatively affordable). Rent burden reaches 21% of tenant households. The vacancy rate is 21.8% — elevated.
Taken together, 12031 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12031 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 12031's 11/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 12031 shows as blanks, never estimates, and the score updates on every fresh public filing.
12031's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 12031 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12031
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12031 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 12031, the same set carried on every parcel.
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Built from public records, scored the same way everywhere · methodology