ZIP 12033 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12033 (Rensselaer County, New York) lands at 26/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (74/100). Latent structural risk is 59/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in construction/permit lag (79/100), structural risk (59/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The market reads expansion — home values rose 6.6% year on year, and 22% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 3,937 housing units across 12033. Around 53% of renters are cost-burdened. Educational attainment sits at 35% bachelor's-or-above. On demographic stress specifically, 12033 scores 27/100. The poverty rate is 5.2% — low. Home values center near $288,700, an affordability ratio of 2.9× — accessible. About 7,772 people live here, median age 50. The tenure split is 79% owner-occupied to 21% rented. Households earn a median $92,808 — above the roughly $78,000 national figure. The vacancy rate is 8.7%.

Net-net, 12033 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 12033 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 12033, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 12033 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. Treat 12033 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.