ZIP 12120 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12120 (Albany County, New York) lands at 25/100 — low on DLRadar's public-record scoring. Structural exposure scores 58 and live distress 2 on the 0–100 scale. Leading the profile are construction/permit lag (76/100), structural risk (58/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (85/100), flood (NFIP) exposure (68/100)).

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 23.0% — elevated. The ZIP holds roughly 305 housing units. DLRadar's demographic-stress index for the area reads 21/100. Roughly 1.5% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 93% owner-occupied to 7% rented. Median household income is $76,728, near the U.S. median near $78,000. 596 residents call 12120 home, typically aged 44. Around 35% of adults hold a bachelor's degree or higher. Home values center near $309,500, an affordability ratio of 3.5× — accessible. Rent burden reaches 0% of tenant households.

On the whole, 12120 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12120 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 12120's 25/100 can be lined up against any neighbor in Albany County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12120 reflects the current record instead of a stale or modeled snapshot.

Behind 12120's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12120 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.