ZIP 12148 Foreclosure, Tax-Lien & Distress Report

ZIP 12148's composite property-distress score is 22/100 - DLRadar classes that as low for Saratoga County, New York. The split runs 51/100 structural to 2/100 active on the ground. The most distinctive pressure shows up in construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)).

The market reads expansion — home values rose 6.6% year on year, and 21% higher over three years, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $427,400 (3.0× income, relatively affordable). The ZIP holds roughly 1,977 housing units. About 4,121 people live here, median age 54. 82% of housing is owner-occupied. Vacancy runs 7.1%. 4.2% of residents fall below the poverty threshold. At $135,694, median income runs above typical U.S. levels. Around 78% of renters are cost-burdened. Around 58% of adults hold a bachelor's degree or higher. On demographic stress specifically, 12148 scores 29/100.

Broadly, 12148 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 12148 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12148 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12148 stays directly comparable to neighboring ZIPs and the rest of Saratoga County, New York. Sparse data for 12148 shows as blanks, never estimates, and the score updates on every fresh public filing.

12148's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 12148 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.