ZIP 12094 Foreclosure, Tax-Lien & Distress Report
Rensselaer County, New York · Distress market
On DLRadar's 0-100 public-record scale, ZIP 12094 in Rensselaer County, New York comes in at 24, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (79/100). Its heaviest discrete signals: construction/permit lag (76/100), structural risk (54/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100). The latent-versus-live split is 54/100 structural and 2/100 already moving.
The market reads expansion — home values rose 6.9% year on year, and 34% higher over three years (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The typical home is worth about $260,900 (2.4× income, relatively affordable). The tenure split is 97% owner-occupied to 3% rented. The vacancy rate is 2.4%. Around 100% of renters are cost-burdened. On demographic stress specifically, 12094 scores 33/100. Around 30% of adults hold a bachelor's degree or higher. Population is roughly 2,560 with a median age of 36. The ZIP holds roughly 957 housing units. Roughly 10.5% live below the poverty line. Median household income is $101,087, above the U.S. median near $78,000.
Broadly, 12094 is a steadier market — the deals are the exceptions, not the rule. 12094 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The 12094 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 12094 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. The score is rebuilt from public data as it updates, so 12094 reflects the current record instead of a stale or modeled snapshot.
12094's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 12094 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.
Distress signal breakdown — ZIP 12094
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 12094 Stress Report snapshot
The live 12094 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Rensselaer County ZIP reports
Related reports across Rensselaer County, New York
Further distress data across Rensselaer County, New York at ZIP, county and state level.
The complete 12094 distress and acquisition report
See who owns each distressed property in 12094, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology