ZIP 12074 Property Distress & Foreclosure Data

Composite property distress in 12074 (Saratoga County, New York) lands at 24/100 — low on DLRadar's public-record scoring. Structural exposure scores 55 and live distress 2 on the 0–100 scale. 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. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100).

The market reads expansion — home values rose 5.6% year on year, and 24% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

91% of housing is owner-occupied. The typical home is worth about $304,800 (3.1× income, relatively affordable). Vacancy runs 24.7%, above the national norm and a classic distress-and-opportunity signal. At $91,901, median income runs above typical U.S. levels. There are about 1,498 housing units across 12074. The poverty rate is 13.2%. Around 29% of adults hold a bachelor's degree or higher. Rent burden reaches 27% of tenant households. About 2,833 people live here, median age 48. The demographic-stress sub-score lands at 27/100.

Net-net, 12074 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.