12164 -- U.S. ZIP code Municipality (1990): SPECULATOR, New York All ZIPs for this municipality (1990): 12164 Population (2000): 476 Housing Units (2000): 786 Land area (2000): 35.925544 sq. miles (93.046728 sq. km) Water area (2000): 0.513383 sq. miles (1.329657 sq. km) Total area (2000): 36.438927 sq. miles (94.376385 sq. km) Located within: New York (NY) Location: 43.515611 N, 74.374310 W