ZIP 12076 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12076 (Schoharie County, New York) at a minimal 11/100 for overall property distress. The pressure is most legible in construction/permit lag (42/100), structural risk (24/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural exposure scores 24 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 1,316 with a median age of 56. The ZIP holds roughly 1,212 housing units. Home values center near $225,600, an affordability ratio of 3.0× — accessible. Vacancy runs 50.3%, above the national norm and a classic distress-and-opportunity signal. Owners hold 94% of homes, renters 6%. Rent burden reaches 50% of tenant households. On demographic stress specifically, 12076 scores 32/100. Educational attainment sits at 26% bachelor's-or-above. At $73,056, median income runs near typical U.S. levels. The poverty rate is 8.9%.

Taken together, 12076 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12076 at the moment; the composite and its components are still built from verifiable public records.

Whether 12076 runs hot or quiet, its 11/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12076 can be compared directly against any other ZIP in Schoharie County, New York or nationwide. Where the public record is thin for 12076, the field stays empty rather than modeled, and fills in as new documents post.

12076'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. Treat 12076 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.