ZIP 12131 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 12131 in Schoharie County, New York comes in at 11, a minimal composite-distress reading. Its standout signals are construction/permit lag (42/100), structural risk (24/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 24/100 structural and 2/100 already moving.
The expansion-phase market in 12131 posted values that rose 6.6% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 209 people live here, median age 44. At $58,929, median income runs below typical U.S. levels. The typical home is worth about $165,000 (2.7× income, relatively affordable). 82% of housing is owner-occupied. Vacancy runs 37.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 12131 scores 26/100. Around 13% of renters are cost-burdened. Educational attainment sits at 25% bachelor's-or-above. There are about 132 housing units across 12131. The poverty rate is 13.9%.
Net-net, 12131 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 12131's 11/100 can be lined up against any neighbor in Schoharie County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12131 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12131 - 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, 12131 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12131
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 12131 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 12131, drawn from the same report attached to each property.
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Unlock parcel-level detail for ZIP 12131
Open 12131 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.
Rules-based scoring — each signal ties to a public dataset · methodology