ZIP 12157 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · Distress market
Composite property distress in 12157 (Schoharie County, New York) lands at 11/100 — minimal on DLRadar's distress scoring. Its standout signals are construction/permit lag (45/100), structural risk (25/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100). Structurally it carries 25/100, against 2/100 of stress already in motion.
Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 26% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Population is roughly 4,444 with a median age of 46. Around 47% of renters are cost-burdened. The typical home is worth about $223,400 (2.8× income, relatively affordable). Educational attainment sits at 29% bachelor's-or-above. Owners hold 85% of homes, renters 15%. The vacancy rate is 5.3%. Households earn a median $77,364 — near the roughly $78,000 national figure. On demographic stress specifically, 12157 scores 27/100. There are about 1,942 housing units across 12157. 7.4% of residents fall below the poverty threshold.
On balance 12157 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 12157 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 12157 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 11/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 12157, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 12157 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 11/100 roll-up. For a buyer, 12157 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.
What is driving ZIP 12157’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 12157 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12157, the same set carried on every parcel.
Adjacent Schoharie County ZIP reports
Nearest ZIP codes to 12157
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
More ZIP, county and state distress intelligence connected to Schoharie County, New York.
See every distressed parcel in 12157
See who owns each distressed property in 12157, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology