ZIP 12065 Foreclosure, Tax-Lien & Distress Report

ZIP code 12065 in Saratoga County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (63/100). Its heaviest discrete signals: construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Latent structural risk is 52/100 while live distress already moving reads 2/100.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 21% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 44,726 with a median age of 41. The typical home is worth about $379,900 (3.1× income, relatively affordable). Owners hold 71% of homes, renters 29%. The poverty rate is 3.0% — low. Vacancy runs 6.7%. The demographic-stress sub-score lands at 23/100. Median household income is $115,681, above the U.S. median near $78,000. Educational attainment sits at 53% bachelor's-or-above. There are about 19,839 housing units across 12065. Rent burden reaches 30% of tenant households.

On balance, 12065 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 12065 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 12065's 23/100 can be lined up against any neighbor in Saratoga County, New York or any ZIP coast to coast. Sparse data for 12065 shows as blanks, never estimates, and the score updates on every fresh public filing.

12065'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. Treat 12065 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.