ZIP 12136 Foreclosure, Tax-Lien & Distress Report

ZIP code 12136 in Columbia County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). The split runs 51/100 structural to 3/100 active on the ground. Its standout signals are construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 28% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $155,978 — above the roughly $78,000 national figure. There are about 605 housing units across 12136. On demographic stress specifically, 12136 scores 17/100. Vacancy runs 31.0%, above the national norm and a classic distress-and-opportunity signal. About 58% have a four-year degree. 95% of housing is owner-occupied. Around 0% of renters are cost-burdened. 881 residents call 12136 home, typically aged 61. Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. A median home runs $471,900 here, or 2.6 times local income.

Taken together, 12136 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12136 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 12136's 22/100 can be lined up against any neighbor in Columbia County, New York or any ZIP coast to coast. 12136 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 12136 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. In workflow terms, 12136 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.