ZIP 12059 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12059 (Albany County, New York) lands at 26/100 — low on DLRadar's public-record scoring. What sets it apart are the readings on 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). On the structural side it scores 59/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The market reads expansion — home values rose 6.6% year on year, and 28% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $340,400, an affordability ratio of 3.0× — accessible. The ZIP holds roughly 970 housing units. Households earn a median $100,938 — above the roughly $78,000 national figure. The tenure split is 90% owner-occupied to 10% rented. Rent burden reaches 79% of tenant households. Educational attainment sits at 29% bachelor's-or-above. The poverty rate is 2.3% — low. The demographic-stress sub-score lands at 33/100. Vacancy runs 34.1%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,531 with a median age of 48.

Net-net, 12059 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12059 at the moment; the composite and its components are still built from verifiable public records.

Whether 12059 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12059 can be compared directly against any other ZIP in Albany County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12059, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 for 12059 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12059 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.