ZIP 12047 Foreclosure, Tax-Lien & Distress Report

ZIP code 12047 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The split runs 59/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (71/100). Leading the profile are construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100).

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 22% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $246,800 (3.5× income, relatively affordable). Median household income is $66,970, below the U.S. median near $78,000. The ZIP holds roughly 11,755 housing units. Around 33% of renters are cost-burdened. The tenure split is 47% owner-occupied to 53% rented. Educational attainment sits at 33% bachelor's-or-above. Population is roughly 23,406 with a median age of 37. On demographic stress specifically, 12047 scores 33/100. The vacancy rate is 11.0%. 20.5% of residents fall below the poverty threshold.

Taken together, 12047 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12047 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12047 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 12047 stays directly comparable to neighboring ZIPs and the rest of Albany County, New York. The score is rebuilt from public data as it updates, so 12047 reflects the current record instead of a stale or modeled snapshot.

The 26/100 figure for 12047 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, 12047 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.