ZIP 12020 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12020 (Saratoga County, New York) lands at 22/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)). Structural risk reads 51/100 against active distress of 2/100.

The expansion-phase market in 12020 posted values that rose 6.6% over the year, and 25% higher over three years, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $101,727 — above the roughly $78,000 national figure. Owners hold 70% of homes, renters 30%. The poverty rate is 6.3% — low. Around 43% of adults hold a bachelor's degree or higher. Rent burden reaches 34% of tenant households. Vacancy runs 8.3%. 34,140 residents call 12020 home, typically aged 43. The typical home is worth about $329,400 (3.0× income, relatively affordable). DLRadar's demographic-stress index for the area reads 25/100. There are about 16,021 housing units across 12020.

Overall 12020 looks resilient on the surface, so the edge is isolating individual stressed parcels. 12020 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 12020 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. Every figure is auditable to a public dataset and refreshed on ingest; 12020 shows blanks, not estimates, wherever the record is sparse.

12020'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, 12020 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.