ZIP 12074 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12074 in Saratoga County, New York comes in at 22, a low composite-distress reading. The latent-versus-live split is 51/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100).

The expansion-phase market in 12074 posted values that rose 6.6% over the year, and 24% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 91% of homes, renters 9%. Home values center near $304,800, an affordability ratio of 3.1× — accessible. Vacancy runs 24.7%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $91,901 — above the roughly $78,000 national figure. The ZIP holds roughly 1,498 housing units. The poverty rate is 13.2%. Around 29% of adults hold a bachelor's degree or higher. Around 27% of renters are cost-burdened. About 2,833 people live here, median age 48. DLRadar's demographic-stress index for the area reads 27/100.

Net-net, 12074 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12074 at the moment; the composite and its components are still built from verifiable public records.

Whether 12074 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12074 can be compared directly against any other ZIP in Saratoga County, New York or nationwide. Where the public record is thin for 12074, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 figure for 12074 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. Treat 12074 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.