ZIP 12035 Property Distress & Foreclosure Data

ZIP code 12035 in Schoharie County, New York carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. On the structural side it scores 22/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (33/100), structural risk (22/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 5.6% year on year (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 26% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 17/100. Around 0% of renters are cost-burdened. The ZIP holds roughly 243 housing units. The poverty rate is 0.0% — low. 89% of housing is owner-occupied. At $78,333, median income runs near typical U.S. levels. The vacancy rate is 11.0%. The typical home is worth about $211,400 (2.4× income, relatively affordable). About 455 people live here, median age 56.

Overall 12035 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.