ZIP 12197 Property Distress & Foreclosure Data

Otsego County, New York's ZIP 12197 registers 17/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). The most distinctive pressure shows up in construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. Structural risk reads 37/100 against active distress of 2/100.

The market reads expansion — home values rose 6.3% year on year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,259 housing units across 12197. At $78,750, median income runs near typical U.S. levels. Vacancy runs 36.2%, above the national norm and a classic distress-and-opportunity signal. 95% of housing is owner-occupied. The poverty rate is 18.3% — high, a tax-stress and distress correlate. Rent burden reaches 43% of tenant households. The typical home is worth about $165,200 (2.1× income, relatively affordable). The demographic-stress sub-score lands at 29/100. About 2,275 people live here, median age 46. Around 28% of adults hold a bachelor's degree or higher.

Net-net, 12197 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.