ZIP 12037 Foreclosure, Tax-Lien & Distress Report

In Columbia County, New York, ZIP 12037 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (70/100), climate & FEMA risk (68/100)). Latent structural risk is 51/100 while live distress already moving reads 3/100. The most distinctive pressure shows up in construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 24% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $93,990, above the U.S. median near $78,000. The typical home is worth about $343,900 (3.7× income, relatively affordable). The demographic-stress sub-score lands at 29/100. Around 37% of renters are cost-burdened. Roughly 13.6% live below the poverty line. The ZIP holds roughly 2,129 housing units. Vacancy runs 15.1%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 4,045 with a median age of 47. Around 47% of adults hold a bachelor's degree or higher. Owners hold 71% of homes, renters 29%.

On the whole, 12037 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12037 runs through one identical scoring model, so its 22/100 sits on the same scale as every other ZIP in Columbia County, New York and the nation. Sparse data for 12037 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 12037's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 12037 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.