ZIP 12148 Property Distress & Foreclosure Data

ZIP code 12148 in Saratoga County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 55 and live distress 2 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (65/100).

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 21% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $427,400 here, or 3.0 times local income. There are about 1,977 housing units across 12148. 4,121 residents call 12148 home, typically aged 54. The tenure split is 82% owner-occupied to 18% rented. Vacancy runs 7.1%. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $135,694 — above the roughly $78,000 national figure. Rent burden reaches 78% of tenant households. About 58% have a four-year degree. On demographic stress specifically, 12148 scores 29/100.

On balance, 12148 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.