ZIP 12155 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12155 (Otsego County, New York) lands at 18/100 — low on DLRadar's public-record scoring. On the structural side it scores 40/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (75/100)). The most distinctive pressure shows up in construction/permit lag (60/100), structural risk (40/100), mortgage stress (7/100). On the quiet end sit mortgage stress (7/100) and institutional ownership (6/100).

The peak-phase market in 12155 posted values that rose 5.0% over the year, at 37/100 phase confidence. Topping markets hide individual distress behind strong averages.

1,812 residents call 12155 home, typically aged 52. A median home runs $164,700 here, or 2.4 times local income. The vacancy rate is 29.4% — elevated. Educational attainment sits at 21% bachelor's-or-above. Owners hold 88% of homes, renters 12%. Around 32% of renters are cost-burdened. The ZIP holds roughly 955 housing units. Median household income is $61,563, below the U.S. median near $78,000. Roughly 7.9% live below the poverty line. DLRadar's demographic-stress index for the area reads 26/100.

Net-net, 12155 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12155 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 12155 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 12155 shows blanks, not estimates, wherever the record is sparse.

Behind 12155's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12155 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.