ZIP 12054 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · Distress market
ZIP code 12054 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 59/100 while live distress already moving reads 2/100. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)). Its standout signals are construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.
The market reads expansion — home values rose 6.6% year on year, and 28% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
16,988 residents call 12054 home, typically aged 45. The ZIP holds roughly 7,391 housing units. At $128,684, median income runs above typical U.S. levels. The tenure split is 75% owner-occupied to 25% rented. The poverty rate is 2.3% — low. Rent burden reaches 34% of tenant households. The vacancy rate is 2.6%. On demographic stress specifically, 12054 scores 20/100. Home values center near $354,500, an affordability ratio of 2.6× — accessible. About 68% have a four-year degree.
Net-net, 12054 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 12054 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 12054 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 12054 reflects the current record instead of a stale or modeled snapshot.
12054's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 12054 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 12054
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
12054 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 12054, the same set carried on every parcel.
Adjacent Albany County ZIP reports
More distress data near 12054
Other reports tied to Albany County, New York — ZIP, county and statewide.
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Each signal above is traceable to an open dataset · methodology