ZIP 12086 Foreclosure, Tax-Lien & Distress Report

ZIP 12086's composite property-distress score is 21/100 - DLRadar classes that as low for Saratoga County, New York. Its heaviest discrete signals: construction/permit lag (73/100), structural risk (49/100), institutional ownership (12/100). institutional ownership (12/100) and mortgage stress (6/100) stay muted. Structurally it carries 49/100, against 2/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (70/100)).

The market reads expansion — home values rose 5.9% year on year (phase confidence 31/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $81,556, near the U.S. median near $78,000. The vacancy rate is 19.1% — elevated. 4.0% of residents fall below the poverty threshold. Rent burden reaches 24% of tenant households. There are about 886 housing units across 12086. Around 24% of adults hold a bachelor's degree or higher. 85% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 23/100. 1,644 residents call 12086 home, typically aged 46. A median home runs $230,800 here, or 2.5 times local income.

Taken together, 12086 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12086 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 12086 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Saratoga County, New York and the nation. The score is rebuilt from public data as it updates, so 12086 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12086 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. For a buyer, 12086 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.