ZIP 12116 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
In Otsego County, New York, ZIP 12116 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. Environmental exposure also runs high (climate & FEMA risk (75/100)). Structural risk reads 38/100 against active distress of 2/100.
Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $76,359 — near the roughly $78,000 national figure. Rent burden reaches 60% of tenant households. The tenure split is 87% owner-occupied to 13% rented. About 28% have a four-year degree. Vacancy runs 33.8%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,075 housing units. The poverty rate is 8.7%. A median home runs $167,200 here, or 1.9 times local income. On demographic stress specifically, 12116 scores 29/100. 1,533 residents call 12116 home, typically aged 47.
Net-net, 12116 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 12116 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Big metro or rural, 12116 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Otsego County, New York and the nation. The score is rebuilt from public data as it updates, so 12116 reflects the current record instead of a stale or modeled snapshot.
The 18/100 for 12116 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12116 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 12116 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 12116 distress snapshot
The live 12116 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Otsego County ZIP codes
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The complete 12116 distress and acquisition report
Open 12116 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology