ZIP 12027 Property Distress & Foreclosure Data

In Saratoga County, New York, ZIP 12027 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (78/100), flood (NFIP) exposure (65/100)). Its standout signals are construction/permit lag (73/100), structural risk (54/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Structural exposure scores 54 and live distress 2 on the 0–100 scale.

The expansion-phase market in 12027 posted values that rose 5.6% over the year, and 28% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 86% of homes, renters 14%. Vacancy runs 1.5%. Population is roughly 4,706 with a median age of 41. DLRadar's demographic-stress index for the area reads 17/100. Home values center near $344,100, an affordability ratio of 2.9× — accessible. 5.3% of residents fall below the poverty threshold. Educational attainment sits at 54% bachelor's-or-above. Rent burden reaches 0% of tenant households. There are about 1,759 housing units across 12027. Median household income is $106,500, above the U.S. median near $78,000.

Broadly, 12027 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.