ZIP 12040 Foreclosure, Tax-Lien & Distress Report
Rensselaer County, New York · High Poverty market
On DLRadar's 0-100 distress scale, ZIP 12040 in Rensselaer County, New York comes in at 26, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (74/100). Latent structural risk is 59/100 while live distress already moving reads 2/100. What sets it apart are the readings on construction/permit lag (79/100), structural risk (59/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low.
The market reads expansion — home values rose 6.6% year on year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
29 residents call 12040 home, typically aged 40. The typical home is worth about $309,100 (5.5× income). The ZIP holds roughly 20 housing units. The demographic-stress sub-score lands at 46/100. Owners hold 100% of homes, renters 0%. 31.0% of residents fall below the poverty threshold. Around 14% of adults hold a bachelor's degree or higher. The vacancy rate is 0.0%. Median household income is $55,682, below the U.S. median near $78,000.
Taken together, 12040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12040 is not published yet -- the ZIP-level readings above remain fully sourced.
Big metro or rural, 12040 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in Rensselaer County, New York and the nation. Sparse data for 12040 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 26/100 figure for 12040 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. For an operator, 12040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12040
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 12040 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Neighbouring ZIPs in Rensselaer County
Nearest ZIP codes to 12040
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Rensselaer County, New York — ZIP, county and statewide.
Get the full acquisition report for 12040
See who owns each distressed property in 12040, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology