ZIP 12106 Foreclosure, Tax-Lien & Distress Report

ZIP 12106's composite property-distress score is 21/100 - DLRadar classes that as low for Columbia County, New York. Environmental exposure also runs high (climate & FEMA risk (68/100)). Property-level stress concentrates in construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). The split runs 47/100 structural to 3/100 active on the ground.

The market reads peak — home values rose 4.9% year on year, and 2% higher over three years (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Population is roughly 1,963 with a median age of 54. There are about 1,070 housing units across 12106. Owners hold 87% of homes, renters 13%. Rent burden reaches 34% of tenant households. Vacancy runs 9.6%. 11.8% of residents fall below the poverty threshold. The typical home is worth about $278,100 (3.4× income, relatively affordable). About 47% have a four-year degree. The demographic-stress sub-score lands at 26/100. Households earn a median $80,735 — near the roughly $78,000 national figure.

Overall 12106 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 12106 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 12106 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12106 reflects the current record instead of a stale or modeled snapshot.

The 21/100 for 12106 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 12106 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.