ZIP 12035 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12035 (Schoharie County, New York) returns a minimal composite of 11/100. Latent structural risk is 24/100 while live distress already moving reads 2/100. Property-level stress concentrates in 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 market reads expansion — home values rose 6.6% year on year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 26% have a four-year degree. The demographic-stress sub-score lands at 17/100. Rent burden reaches 0% of tenant households. The ZIP holds roughly 243 housing units. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 89% of housing is owner-occupied. Households earn a median $78,333 — near the roughly $78,000 national figure. The vacancy rate is 11.0%. Home values center near $211,400, an affordability ratio of 2.4× — accessible. Population is roughly 455 with a median age of 56.

On balance, 12035 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 12035's 11/100 can be lined up against any neighbor in Schoharie County, New York or any ZIP coast to coast. Sparse data for 12035 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 12035's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12035 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.