ZIP 12010 Foreclosure, Tax-Lien & Distress Report
Montgomery County, New York · High Vacancy market
Montgomery County, New York's ZIP 12010 registers 21/100 composite distress, which DLRadar reads as low. On the structural side it scores 49/100, with 1/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (49/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (5/100). It additionally carries heavy environmental risk: climate & FEMA risk (63/100).
Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 44% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
The ZIP holds roughly 13,572 housing units. Median household income is $60,013, below the U.S. median near $78,000. Home values center near $180,200, an affordability ratio of 2.7× — accessible. The demographic-stress sub-score lands at 31/100. 64% of housing is owner-occupied. 16.3% of residents fall below the poverty threshold. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 23% bachelor's-or-above. 27,339 residents call 12010 home, typically aged 42. Rent burden reaches 42% of tenant households.
Taken together, 12010 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12010 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 12010 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12010 can be compared directly against any other ZIP in Montgomery County, New York or nationwide. Where the public record is thin for 12010, the field stays empty rather than modeled, and fills in as new documents post.
The 21/100 figure for 12010 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. Treat 12010 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 12010
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12010 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 12010, the same set carried on every parcel.
Other Montgomery County ZIP codes
Explore related distress reports
Other reports tied to Montgomery County, New York — ZIP, county and statewide.
The complete 12010 distress and acquisition report
Every distressed parcel in 12010 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
No modelling: every input is a public record · methodology