ZIP 12147 Foreclosure, Tax-Lien & Distress Report

ZIP code 12147 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (71/100). The split runs 59/100 structural to 2/100 active on the ground.

The expansion-phase market in 12147 posted values that rose 6.6% over the year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $92,813 — above the roughly $78,000 national figure. Around 0% of renters are cost-burdened. A median home runs $243,100 here, or 2.5 times local income. Vacancy runs 29.7%, above the national norm and a classic distress-and-opportunity signal. 4.9% of residents fall below the poverty threshold. The tenure split is 94% owner-occupied to 6% rented. Around 52% of adults hold a bachelor's degree or higher. The ZIP holds roughly 360 housing units. DLRadar's demographic-stress index for the area reads 17/100. About 508 people live here, median age 54.

Net-net, 12147 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12147 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Albany County, New York and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 12147 shows blanks, not estimates, wherever the record is sparse.

Behind 12147's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12147 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.