ZIP 12194 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12194 (Schoharie County, New York) lands at 11/100 — minimal on DLRadar's public-record scoring. Structurally it carries 24/100, against 2/100 of stress already in motion. 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.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Rent burden reaches 0% of tenant households. The typical home is worth about $239,100 (2.9× income, relatively affordable). 10.8% of residents fall below the poverty threshold. The vacancy rate is 53.0% — elevated. On demographic stress specifically, 12194 scores 26/100. Owners hold 89% of homes, renters 11%. Around 21% of adults hold a bachelor's degree or higher. 213 residents call 12194 home, typically aged 39. Households earn a median $81,250 — near the roughly $78,000 national figure. The ZIP holds roughly 137 housing units.

Taken together, 12194 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12194 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 12194's 11/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 12194 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12194 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 11/100 roll-up. In workflow terms, 12194 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.