ZIP 12165 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 12165 in Columbia County, New York comes in at 22, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low. The latent-versus-live split is 51/100 structural and 3/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (70/100), climate & FEMA risk (68/100)).

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 43% of renters are cost-burdened. Roughly 13.4% live below the poverty line. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 69% bachelor's-or-above. About 202 people live here, median age 70. There are about 132 housing units across 12165. Median household income is $53,500, below the U.S. median near $78,000. The tenure split is 94% owner-occupied to 6% rented. The demographic-stress sub-score lands at 36/100. A median home runs $417,500 here, or 7.2 times local income.

Net-net, 12165 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12165 at the moment; the composite and its components are still built from verifiable records.

Whether 12165 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12165 can be compared directly against any other ZIP in Columbia County, New York or nationwide. Where the record is thin for 12165, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 for 12165 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 12165 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.