ZIP 12070 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 12070 (Montgomery County, New York) returns a low composite of 21/100. Its standout signals are construction/permit lag (100/100), structural risk (49/100), institutional ownership (9/100). By contrast, institutional ownership (9/100) and mortgage stress (7/100) register low. Structural exposure scores 49 and live distress 2 on the 0–100 scale.

The peak-phase market in 12070 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 70% owner-occupied to 30% rented. The vacancy rate is 2.4%. Roughly 14.4% live below the poverty line. Educational attainment sits at 19% bachelor's-or-above. Population is roughly 2,404 with a median age of 43. DLRadar's demographic-stress index for the area reads 22/100. The typical home is worth about $202,900 (2.1× income, relatively affordable). At $78,884, median income runs near typical U.S. levels. There are about 683 housing units across 12070. Around 2% of renters are cost-burdened.

Overall 12070 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 12070 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 12070's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 12070, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12070's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 12070 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.