ZIP 12149 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · High Vacancy market
ZIP 12149's composite property-distress score is 12/100 - DLRadar classes that as minimal for Schoharie County, New York. Structurally it carries 25/100, against 2/100 of stress already in motion. What sets it apart are the readings on construction/permit lag (45/100), structural risk (25/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.
The market reads expansion — home values rose 6.5% year on year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
At $58,750, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 29/100. The vacancy rate is 28.2% — elevated. About 23% have a four-year degree. Roughly 10.0% live below the poverty line. 2,176 residents call 12149 home, typically aged 47. There are about 1,322 housing units across 12149. The typical home is worth about $169,500 (2.5× income, relatively affordable). Around 39% of renters are cost-burdened. Owners hold 75% of homes, renters 25%.
Taken together, 12149 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12149 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Whether 12149 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12149 can be compared directly against any other ZIP in Schoharie County, New York or nationwide. 12149 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
12149's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 12149 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 12149
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 12149 by the numbers
12149 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Rules-based scoring — each signal ties to a public dataset · methodology