ZIP 12095 Property Distress & Foreclosure Data

In Fulton County, New York, ZIP 12095 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (61/100). The latent-versus-live split is 46/100 structural and 3/100 already moving. Its standout signals are construction/permit lag (75/100), structural risk (46/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 15% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $168,700 (2.3× income, relatively affordable). The poverty rate is 7.7%. The demographic-stress sub-score lands at 26/100. Around 36% of renters are cost-burdened. 67% of housing is owner-occupied. Around 25% of adults hold a bachelor's degree or higher. The ZIP holds roughly 5,723 housing units. About 12,013 people live here, median age 44. At $69,864, median income runs near typical U.S. levels. The vacancy rate is 8.9%.

Net-net, 12095 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.