ZIP 12118 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12118 (Saratoga County, New York) returns a low composite of 22/100. The sharpest non-environmental signals are construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)). Structurally it carries 51/100, against 2/100 of stress already in motion.

The expansion-phase market in 12118 posted values that rose 6.6% over the year, and 23% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 6.8%. Around 39% of renters are cost-burdened. Around 33% of adults hold a bachelor's degree or higher. Population is roughly 17,056 with a median age of 45. Roughly 8.3% live below the poverty line. A median home runs $345,800 here, or 3.5 times local income. The ZIP holds roughly 8,018 housing units. The demographic-stress sub-score lands at 29/100. Median household income is $91,182, above the U.S. median near $78,000. 69% of housing is owner-occupied.

Broadly, 12118 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 12118 at the moment; the composite and its components are still built from verifiable public records.

Whether 12118 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12118 can be compared directly against any other ZIP in Saratoga County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12118, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12118'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. Treat 12118 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.