ZIP 12046 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12046 (Albany County, New York) returns a low composite of 26/100. Its heaviest discrete signals: construction/permit lag (76/100), structural risk (58/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (69/100). Structural exposure scores 58 and live distress 2 on the 0–100 scale.

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.

Median household income is $79,833, near the U.S. median near $78,000. 612 residents call 12046 home, typically aged 44. Educational attainment sits at 23% bachelor's-or-above. Around 74% of renters are cost-burdened. A median home runs $268,400 here, or 3.4 times local income. The tenure split is 82% owner-occupied to 18% rented. Roughly 8.5% live below the poverty line. Vacancy runs 6.5%. DLRadar's demographic-stress index for the area reads 33/100. There are about 256 housing units across 12046.

Overall, 12046 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 12046 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 12046 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. The score is rebuilt from public data as it updates, so 12046 reflects the current record instead of a stale or modeled snapshot.

12046's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 12046 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.