ZIP 12122 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · High Vacancy market
Schoharie County, New York's ZIP 12122 registers 14/100 composite distress, which DLRadar reads as minimal. Leading the profile are construction/permit lag (64/100), structural risk (32/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (4/100) stay muted. Structurally it carries 32/100, against 1/100 of stress already in motion.
The market reads expansion — home values rose 6.6% year on year, and 26% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
A median home runs $174,300 here, or 3.2 times local income. On demographic stress specifically, 12122 scores 32/100. About 3,555 people live here, median age 52. The vacancy rate is 27.5% — elevated. The tenure split is 79% owner-occupied to 21% rented. The poverty rate is 10.5%. The ZIP holds roughly 2,276 housing units. Households earn a median $54,308 — below the roughly $78,000 national figure. About 20% have a four-year degree. Rent burden reaches 46% of tenant households.
Taken together, 12122 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12122 at the moment; the composite and its components are still built from verifiable public records.
Big metro or rural, 12122 runs through one identical public-record model, so its 14/100 sits on the same scale as every other ZIP in Schoharie County, New York and the nation. 12122 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
12122'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, 12122 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12122
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 12122 distress snapshot
The live 12122 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Schoharie County
Explore related distress reports
More ZIP, county and state distress intelligence connected to Schoharie County, New York.
See every distressed parcel in 12122
The full 12122 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology