ZIP 12043 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · Affordable market
On DLRadar's 0-100 public-record scale, ZIP 12043 in Schoharie County, New York comes in at 11, a minimal composite-distress reading. Property-level stress concentrates in construction/permit lag (44/100), structural risk (25/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. On the structural side it scores 25/100, with 2/100 of stress already active.
The market reads expansion — home values rose 6.5% year on year, and 50% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Home values center near $186,000, an affordability ratio of 2.4× — accessible. Vacancy runs 11.0%. About 7,883 people live here, median age 38. Roughly 13.5% live below the poverty line. Owners hold 65% of homes, renters 35%. The ZIP holds roughly 3,570 housing units. Median household income is $73,006, near the U.S. median near $78,000. Around 28% of adults hold a bachelor's degree or higher. Around 26% of renters are cost-burdened. On demographic stress specifically, 12043 scores 26/100.
On balance 12043 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 12043 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 12043 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 11/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 12043 shows blanks, not estimates, wherever the record is sparse.
Behind 12043'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, 12043 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12043
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
12043 at a glance
A live read on 12043: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Schoharie County ZIP reports
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Open the complete 12043 acquisition file
Every distressed parcel in 12043 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic. Every signal traces to a public dataset · methodology