ZIP 12075 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12075 (Columbia County, New York) returns a low composite of 21/100. What sets it apart are the readings on construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. Environmental exposure also runs high (climate & FEMA risk (68/100)). Structural risk reads 47/100 against active distress of 3/100.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 31% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

12.0% of residents fall below the poverty threshold. Population is roughly 3,147 with a median age of 48. Median household income is $83,443, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 33/100. Rent burden reaches 35% of tenant households. The vacancy rate is 20.2% — elevated. There are about 1,369 housing units across 12075. Home values center near $422,900, an affordability ratio of 4.6×. About 37% have a four-year degree. Owners hold 82% of homes, renters 18%.

Taken together, 12075 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12075 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 12075's 21/100 can be lined up against any neighbor in Columbia County, New York or any ZIP coast to coast. 12075 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 12075'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. The point of the 12075 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.