ZIP 12036 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 12036 (Schoharie County, New York) returns a minimal composite of 13/100. What sets it apart are the readings on construction/permit lag (50/100), structural risk (28/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural risk reads 28/100 against active distress of 2/100.

The expansion-phase market in 12036 posted values that rose 6.2% over the year (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 169 housing units. The poverty rate is 9.6%. DLRadar's demographic-stress index for the area reads 43/100. Vacancy runs 50.0%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $41,667 — below the roughly $78,000 national figure. About 19% have a four-year degree. 335 residents call 12036 home, typically aged 35. 93% of housing is owner-occupied. The typical home is worth about $108,100 (3.4× income, relatively affordable).

Taken together, 12036 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12036 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 12036's 13/100 can be lined up against any neighbor in Schoharie County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12036 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12036 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. Treat 12036 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.