ZIP 12140 Foreclosure, Tax-Lien & Distress Report

ZIP 12140's composite property-distress score is 25/100 - DLRadar classes that as low for Rensselaer County, New York. Environmental exposure also runs high (climate & FEMA risk (83/100)). The sharpest non-environmental signals are construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. Latent structural risk is 56/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 6.6% year on year, and 10% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 675 housing units. Vacancy runs 4.0%. The poverty rate is 9.8%. The tenure split is 90% owner-occupied to 10% rented. The demographic-stress sub-score lands at 18/100. Households earn a median $120,476 — above the roughly $78,000 national figure. Home values center near $301,600, an affordability ratio of 2.5× — accessible. Around 8% of renters are cost-burdened. Population is roughly 1,526 with a median age of 50. Educational attainment sits at 45% bachelor's-or-above.

Overall, 12140 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 12140 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 12140's 25/100 can be lined up against any neighbor in Rensselaer County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12140 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12140 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 12140 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.