ZIP 12027 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · Distress market
On DLRadar's 0-100 distress scale, ZIP 12027 in Saratoga County, New York comes in at 23, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (65/100). Its heaviest discrete signals: construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Structural risk reads 52/100 against active distress of 2/100.
The expansion-phase market in 12027 posted values that rose 6.6% over the year, and 28% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
86% of housing is owner-occupied. The vacancy rate is 1.5%. Population is roughly 4,706 with a median age of 41. On demographic stress specifically, 12027 scores 17/100. The typical home is worth about $344,100 (2.9× income, relatively affordable). Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. About 54% have a four-year degree. Rent burden reaches 0% of tenant households. There are about 1,759 housing units across 12027. At $106,500, median income runs above typical U.S. levels.
On balance, 12027 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 12027 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 12027's 23/100 can be lined up against any neighbor in Saratoga County, New York or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 12027 shows blanks, not estimates, wherever the record is sparse.
The 23/100 figure for 12027 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. For a buyer, 12027 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.
Distress signal breakdown — ZIP 12027
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
12027 at a glance
A live read on 12027: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Nearby ZIPs in Saratoga County
Nearest ZIP codes to 12027
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Further distress data across Saratoga County, New York at ZIP, county and state level.
Get the full acquisition report for 12027
The full 12027 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology