ZIP 12197 Foreclosure, Tax-Lien & Distress Report
Otsego County, New York · High Vacancy market
ZIP 12197's composite property-distress score is 18/100 - DLRadar classes that as low for Otsego County, New York. Climate and flood risk are elevated too — climate & FEMA risk (75/100). Its heaviest discrete signals: construction/permit lag (61/100), structural risk (38/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. On the structural side it scores 38/100, with 2/100 of stress already active.
The peak-phase market in 12197 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The ZIP holds roughly 1,259 housing units. Median household income is $78,750, near the U.S. median near $78,000. The vacancy rate is 36.2% — elevated. 95% of housing is owner-occupied. Roughly 18.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 43% of renters are cost-burdened. The typical home is worth about $165,200 (2.1× income, relatively affordable). The demographic-stress sub-score lands at 29/100. Population is roughly 2,275 with a median age of 46. Educational attainment sits at 28% bachelor's-or-above.
On the whole, 12197 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12197 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 12197's 18/100 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 12197, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 figure for 12197 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12197 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 12197
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 12197 Stress Report snapshot
The live 12197 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Otsego County ZIPs near 12197
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See every distressed parcel in 12197
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Each signal above is traceable to an open dataset · methodology