ZIP 12130 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
ZIP 12130's composite property-distress score is 21/100 - DLRadar classes that as low for Columbia County, New York. Property-level stress concentrates in construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. Structural exposure scores 47 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (68/100).
The peak-phase market in 12130 posted values that rose 4.9% over the year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
About 49% have a four-year degree. Median household income is $101,339, above the U.S. median near $78,000. The demographic-stress sub-score lands at 21/100. The tenure split is 87% owner-occupied to 13% rented. 3.0% of residents fall below the poverty threshold. Vacancy runs 41.9%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $186,800 (2.2× income, relatively affordable). There are about 162 housing units across 12130. About 305 people live here, median age 37.
Net-net, 12130 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12130 at the moment; the composite and its components are still built from verifiable public records.
Whether 12130 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12130 can be compared directly against any other ZIP in Columbia County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12130, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 21/100 figure for 12130 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 12130 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12130
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 12130 distress snapshot
The live 12130 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Built from public records, scored the same way everywhere · methodology