ZIP 12125 Property Distress & Foreclosure Data

ZIP code 12125 in Columbia County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (43/100), structural risk (43/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The latent-versus-live split is 43/100 structural and 3/100 already moving.

The market reads expansion — home values rose 6.3% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 43% of renters are cost-burdened. The poverty rate is 13.2%. The demographic-stress sub-score lands at 31/100. The vacancy rate is 27.5% — elevated. The typical home is worth about $275,900 (3.7× income, relatively affordable). 77% of housing is owner-occupied. Around 40% of adults hold a bachelor's degree or higher. About 1,147 people live here, median age 41. At $67,596, median income runs below typical U.S. levels. The ZIP holds roughly 670 housing units.

Net-net, 12125 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.