ZIP 12093 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12093 (Schoharie County, New York) lands at 15/100 — low on DLRadar's public-record scoring. On the structural side it scores 33/100, with 3/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (37/100), structural risk (33/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (11/100) stay muted.

The market reads expansion — home values rose 6.4% year on year (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $61,250, below the U.S. median near $78,000. Educational attainment sits at 27% bachelor's-or-above. There are about 1,099 housing units across 12093. The typical home is worth about $174,800 (2.6× income, relatively affordable). Rent burden reaches 69% of tenant households. The tenure split is 90% owner-occupied to 10% rented. Roughly 12.7% live below the poverty line. The demographic-stress sub-score lands at 34/100. 1,258 residents call 12093 home, typically aged 52. The vacancy rate is 46.5% — elevated.

Taken together, 12093 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12093 at the moment; the composite and its components are still built from verifiable public records.

The 12093 read uses the identical public-record model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 12093 stays directly comparable to neighboring ZIPs and the rest of Schoharie County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 12093 shows blanks, not estimates, wherever the record is sparse.

12093'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 an operator, 12093 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.