ZIP 12065 Property Distress & Foreclosure Data

Composite property distress in 12065 (Saratoga County, New York) lands at 24/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Structural risk reads 55/100 against active distress of 2/100.

The market reads expansion — home values rose 5.6% year on year, and 21% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 44,726 people live here, median age 41. The typical home is worth about $379,900 (3.1× income, relatively affordable). 71% of housing is owner-occupied. The poverty rate is 3.0% — low. Vacancy runs 6.7%. The demographic-stress sub-score lands at 23/100. At $115,681, median income runs above typical U.S. levels. Around 53% of adults hold a bachelor's degree or higher. There are about 19,839 housing units across 12065. Rent burden reaches 30% of tenant households.

Overall 12065 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.