ZIP 12086 Property Distress & Foreclosure Data

In Saratoga County, New York, ZIP 12086 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (74/100), structural risk (49/100), institutional ownership (12/100). By contrast, institutional ownership (12/100) and mortgage stress (6/100) register low. On the structural side it scores 49/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (70/100).

The market reads expansion — home values rose 5.9% year on year (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $81,556, median income runs near typical U.S. levels. The vacancy rate is 19.1% — elevated. The poverty rate is 4.0% — low. Around 24% of renters are cost-burdened. The ZIP holds roughly 886 housing units. Around 24% of adults hold a bachelor's degree or higher. 85% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. About 1,644 people live here, median age 46. The typical home is worth about $230,800 (2.5× income, relatively affordable).

Net-net, 12086 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.