ZIP 12072 Foreclosure, Tax-Lien & Distress Report

ZIP 12072's composite property-distress score is 20/100 - DLRadar classes that as low for Montgomery County, New York. The latent-versus-live split is 45/100 structural and 1/100 already moving. Leading the profile are construction/permit lag (100/100), structural risk (45/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (63/100).

The peak-phase market in 12072 posted values that rose 4.9% over the year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 1,099 housing units. DLRadar's demographic-stress index for the area reads 27/100. The typical home is worth about $190,200 (2.1× income, relatively affordable). About 17% have a four-year degree. Vacancy runs 17.4%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $86,442 — near the roughly $78,000 national figure. 3,019 residents call 12072 home, typically aged 32. 16.5% of residents fall below the poverty threshold. Owners hold 84% of homes, renters 16%. Around 29% of renters are cost-burdened.

Taken together, 12072 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12072 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 12072 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12072 can be compared directly against any other ZIP in Montgomery County, New York or nationwide. Where the public record is thin for 12072, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 12072 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 12072 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.