ZIP 12027 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12027 in Saratoga County, New York comes in at 22, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (66/100). Its heaviest discrete signals: construction/permit lag (57/100), structural risk (51/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Structural risk reads 51/100 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 to public records.

Because one deterministic model scores every ZIP, 12027's 22/100 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 on ingest; 12027 shows blanks, not estimates, wherever the record is sparse.

The 22/100 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.