ZIP 12159 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12159 (Albany County, New York) at a low 26/100 for overall property distress. The split runs 59/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (71/100). Leading the profile are construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The expansion-phase market in 12159 posted values that rose 6.6% over the year, and 12% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $449,900 (4.0× income, relatively affordable). On demographic stress specifically, 12159 scores 24/100. There are about 3,745 housing units across 12159. Households earn a median $109,073 — above the roughly $78,000 national figure. 72% of housing is owner-occupied. Roughly 4.8% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 3.9%. Rent burden reaches 26% of tenant households. 8,794 residents call 12159 home, typically aged 53. About 65% have a four-year degree.

Net-net, 12159 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 12159 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 12159's 26/100 can be lined up against any neighbor in Albany County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12159, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 12159 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. The point of the 12159 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.