ZIP 12158 Foreclosure, Tax-Lien & Distress Report

ZIP code 12158 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). The split runs 59/100 structural to 2/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The market reads expansion — home values rose 6.6% year on year, and 14% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $95,949 — above the roughly $78,000 national figure. Rent burden reaches 24% of tenant households. Roughly 3.3% live below the poverty line, a low share typical of higher-equity areas. Around 41% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. 70% of housing is owner-occupied. The typical home is worth about $315,100 (3.1× income, relatively affordable). 6,221 residents call 12158 home, typically aged 50. The vacancy rate is 13.7% — elevated. The ZIP holds roughly 3,177 housing units.

Net-net, 12158 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 12158 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 12158 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12158 can be compared directly against any other ZIP in Albany County, New York or nationwide. Where the public record is thin for 12158, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 12158 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12158 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.