ZIP 12123 Foreclosure, Tax-Lien & Distress Report

In Rensselaer County, New York, ZIP 12123 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. What sets it apart are the readings on construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (82/100). Structurally it carries 56/100, against 2/100 of stress already in motion.

The expansion-phase market in 12123 posted values that rose 6.5% over the year, and 23% higher over three years, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $104,438 — above the roughly $78,000 national figure. The poverty rate is 7.2% — low. Population is roughly 4,853 with a median age of 42. On demographic stress specifically, 12123 scores 24/100. There are about 2,203 housing units across 12123. Around 39% of adults hold a bachelor's degree or higher. A median home runs $297,000 here, or 2.6 times local income. The vacancy rate is 11.7% — elevated. Around 37% of renters are cost-burdened. The tenure split is 83% owner-occupied to 17% rented.

Overall 12123 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 12123 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12123 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 12123 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. Where the public record is thin for 12123, the field stays empty rather than modeled, and fills in as new documents post.

12123's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 12123 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.