ZIP 12046 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · Distress market
Scored on a fixed 0-100 scale, 12046 (Albany County, New York) returns a low composite of 26/100. Its heaviest discrete signals: construction/permit lag (70/100), structural risk (59/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (79/100). Structural exposure scores 59 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.
ZIP 12046 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 12046 Stress Report snapshot
The live 12046 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Albany County
Nearest ZIP codes to 12046
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Keep going: ZIP, county and state distress coverage for Albany County, New York.
Open the complete 12046 acquisition file
The full 12046 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology