ZIP 12064 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
DLRadar grades ZIP 12064 (Otsego County, New York) at a low 16/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). The split runs 34/100 structural to 2/100 active on the ground. The sharpest non-environmental signals are construction/permit lag (59/100), structural risk (34/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).
Prices here sit in a expansion phase: values rose 5.5% over the trailing year (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The poverty rate is 2.6% — low. Population is roughly 314 with a median age of 53. The ZIP holds roughly 240 housing units. Around 0% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 20/100. Around 21% of adults hold a bachelor's degree or higher. 86% of housing is owner-occupied. The typical home is worth about $111,700 (1.4× income, relatively affordable). Median household income is $69,792, near the U.S. median near $78,000. The vacancy rate is 55.3% — elevated.
On the whole, 12064 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12064 at the moment; the composite and its components are still built from verifiable public records.
The number is not local guesswork: 12064's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 12064, the field stays empty rather than modeled, and fills in as new documents post.
12064'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 a buyer, 12064 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 12064
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 12064 by the numbers
A live read on 12064: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Otsego County
More distress data near 12064
Other reports tied to Otsego County, New York — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 12064
See who owns each distressed property in 12064, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology