ZIP 12138 Foreclosure, Tax-Lien & Distress Report
Rensselaer County, New York · High Vacancy market
ZIP 12138's composite property-distress score is 25/100 - DLRadar classes that as low for Rensselaer County, New York. Climate and flood risk are elevated too — climate & FEMA risk (83/100). The latent-versus-live split is 56/100 structural and 2/100 already moving. Leading the profile are construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).
The expansion-phase market in 12138 posted values that rose 6.6% over the year, and 54% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
At $78,693, median income runs near typical U.S. levels. On demographic stress specifically, 12138 scores 26/100. 91% of housing is owner-occupied. Educational attainment sits at 22% bachelor's-or-above. Around 39% of renters are cost-burdened. About 2,826 people live here, median age 43. The poverty rate is 7.6%. The typical home is worth about $191,900 (2.3× income, relatively affordable). The ZIP holds roughly 1,648 housing units. The vacancy rate is 29.4% — elevated.
Taken together, 12138 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12138 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 12138's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12138 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12138 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For an operator, 12138 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12138
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 12138 distress snapshot
Current distress, phase, housing and lender-pressure figures for 12138, drawn from the same report attached to each property.
Rensselaer County ZIPs near 12138
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Keep going: ZIP, county and state distress coverage for Rensselaer County, New York.
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Built from public records, scored the same way everywhere · methodology