ZIP 12029 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12029 (Columbia County, New York) lands at 21/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The pressure is most legible in construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). The split runs 47/100 structural to 3/100 active on the ground.

The market reads peak — home values rose 4.9% year on year, and 51% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 1,017 with a median age of 55. The ZIP holds roughly 755 housing units. At $104,167, median income runs above typical U.S. levels. The vacancy rate is 34.8% — elevated. A median home runs $421,500 here, or 3.6 times local income. The demographic-stress sub-score lands at 30/100. Roughly 6.1% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 47% bachelor's-or-above. Owners hold 85% of homes, renters 15%. Around 51% of renters are cost-burdened.

Taken together, 12029 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12029 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: 12029 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 12029 shows blanks, not estimates, wherever the record is sparse.

The 21/100 figure for 12029 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. The point of the 12029 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.