ZIP 12018 Foreclosure, Tax-Lien & Distress Report

ZIP 12018's composite property-distress score is 25/100 - DLRadar classes that as low for Rensselaer County, New York. The latent-versus-live split is 56/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (83/100)). The most distinctive pressure shows up in construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 20% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 7,069 with a median age of 45. Home values center near $345,200, an affordability ratio of 2.4× — accessible. Vacancy runs 9.2%. 2.5% of residents fall below the poverty threshold. 84% of housing is owner-occupied. Around 24% of renters are cost-burdened. At $133,542, median income runs above typical U.S. levels. The ZIP holds roughly 3,070 housing units. The demographic-stress sub-score lands at 20/100. About 43% have a four-year degree.

On balance 12018 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 12018 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 12018 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12018 can be compared directly against any other ZIP in Rensselaer County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12018 shows blanks, not estimates, wherever the record is sparse.

Behind 12018's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12018 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.