ZIP 12095 Foreclosure, Tax-Lien & Distress Report
Fulton County, New York · Affordable market
Composite property distress in 12095 (Fulton County, New York) lands at 22/100 — low on DLRadar's distress scoring. The split runs 52/100 structural to 3/100 active on the ground. Property-level stress concentrates in construction/permit lag (100/100), structural risk (52/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low.
The market reads peak — home values rose 4.9% year on year, and 15% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The typical home is worth about $168,700 (2.3× income, relatively affordable). 7.7% of residents fall below the poverty threshold. On demographic stress specifically, 12095 scores 26/100. Around 36% of renters are cost-burdened. The tenure split is 67% owner-occupied to 33% rented. About 25% have a four-year degree. There are about 5,723 housing units across 12095. Population is roughly 12,013 with a median age of 44. Median household income is $69,864, near the U.S. median near $78,000. Vacancy runs 8.9%.
Net-net, 12095 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 12095 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 12095 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. 12095 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 22/100 figure for 12095 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 12095 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12095’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 12095 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12095, the same set carried on every parcel.
Other Fulton County ZIP codes
Nearest ZIP codes to 12095
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Fulton County, New York — ZIP, county and statewide.
Unlock the full ZIP 12095 acquisition report
Open 12095 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology