ZIP 12033 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12033 (Rensselaer County, New York) lands at 25/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (83/100). Latent structural risk is 56/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) 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 25/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 12033, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 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.