ZIP 12009 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · Distress market
ZIP 12009's composite property-distress score is 26/100 - DLRadar classes that as low for Albany County, New York. Latent structural risk is 59/100 while live distress already moving reads 2/100. Its heaviest discrete signals: construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (71/100).
The market reads expansion — home values rose 6.6% year on year, and 26% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The ZIP holds roughly 3,190 housing units. A median home runs $342,900 here, or 2.8 times local income. The demographic-stress sub-score lands at 21/100. Around 24% of renters are cost-burdened. About 8,068 people live here, median age 43. Around 53% of adults hold a bachelor's degree or higher. 78% of housing is owner-occupied. At $114,352, median income runs above typical U.S. levels. The vacancy rate is 3.6%. The poverty rate is 3.3% — low.
Overall, 12009 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 12009 at the moment; the composite and its components are still built from verifiable public records.
Because one deterministic model scores every ZIP, 12009's 26/100 can be lined up against any neighbor in Albany County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12009, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 26/100 for 12009 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 12009 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 12009
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 12009 by the numbers
A live read on 12009: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Albany County ZIP reports
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Deterministic scoring, sourced entirely from public data · methodology