ZIP 12019 Foreclosure, Tax-Lien & Distress Report

Saratoga County, New York's ZIP 12019 registers 22/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (65/100)). Structural exposure scores 51 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 6.6% year on year, and 22% 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 7,009 housing units. 3.1% of residents fall below the poverty threshold. About 54% have a four-year degree. 15,683 residents call 12019 home, typically aged 46. Households earn a median $116,329 — above the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 22/100. The typical home is worth about $400,400 (3.3× income, relatively affordable). 81% of housing is owner-occupied. Around 25% of renters are cost-burdened. Vacancy runs 5.1%.

Overall 12019 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 12019 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 12019 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12019 reflects the current record instead of a stale or modeled snapshot.

12019's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 12019 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.