ZIP 12144 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12144 (Rensselaer County, New York) returns a low composite of 25/100. The split runs 56/100 structural to 2/100 active on the ground. The sharpest non-environmental signals are construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (83/100).

The expansion-phase market in 12144 posted values that rose 6.6% over the year, and 22% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $249,700, an affordability ratio of 2.7× — accessible. The poverty rate is 11.8%. 21,631 residents call 12144 home, typically aged 41. Owners hold 59% of homes, renters 41%. Educational attainment sits at 38% bachelor's-or-above. There are about 10,563 housing units across 12144. Rent burden reaches 30% of tenant households. On demographic stress specifically, 12144 scores 26/100. The vacancy rate is 8.8%. At $88,357, median income runs above typical U.S. levels.

Net-net, 12144 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 12144 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12144 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12144 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. 12144 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 12144 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For a buyer, 12144 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.