ZIP 12092 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · Distress market
Scored on a fixed 0-100 scale, 12092 (Schoharie County, New York) returns a minimal composite of 11/100. The most distinctive pressure shows up in construction/permit lag (42/100), structural risk (24/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. On the structural side it scores 24/100, with 2/100 of stress already active.
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.
About 1,423 people live here, median age 49. Roughly 13.4% live below the poverty line. The tenure split is 70% owner-occupied to 30% rented. Around 18% of renters are cost-burdened. There are about 582 housing units across 12092. On demographic stress specifically, 12092 scores 25/100. Vacancy runs 9.1%. Households earn a median $70,938 — near the roughly $78,000 national figure. The typical home is worth about $217,600 (2.9× income, relatively affordable). Around 29% of adults hold a bachelor's degree or higher.
Overall, 12092 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 12092 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 12092's 11/100 can be lined up against any neighbor in Schoharie County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12092, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 12092 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 11/100 roll-up. For an operator, 12092 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12092’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 12092 by the numbers
The live 12092 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Schoharie County
Nearest ZIP codes to 12092
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12092
Other reports tied to Schoharie County, New York — ZIP, county and statewide.
See every distressed parcel in 12092
Open 12092 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology