ZIP 12187 Foreclosure, Tax-Lien & Distress Report
Schoharie County, New York · High Vacancy market
ZIP code 12187 in Schoharie County, New York carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic distress index. On the structural side it scores 24/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (42/100), structural risk (24/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.
Prices here sit in a expansion phase: values rose 6.6% over the trailing year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Vacancy runs 35.1%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 19.4% — high, a tax-stress and distress correlate. About 17% have a four-year degree. About 739 people live here, median age 56. Rent burden reaches 100% of tenant households. Home values center near $187,500, an affordability ratio of 3.0× — accessible. DLRadar's demographic-stress index for the area reads 41/100. 94% of housing is owner-occupied. Households earn a median $75,875 — near the roughly $78,000 national figure. The ZIP holds roughly 464 housing units.
Net-net, 12187 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12187 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 12187's 11/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 12187, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 11/100 for 12187 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 12187 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 12187
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 12187 distress snapshot
Current distress, phase, housing and lender-pressure figures for 12187, drawn from the same report attached to each property.
Neighbouring ZIPs in Schoharie County
Nearest ZIP codes to 12187
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Schoharie County, New York — ZIP, county and statewide.
Unlock the full ZIP 12187 acquisition report
See who owns each distressed property in 12187, 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.
Built from public records, scored the same way everywhere · methodology