ZIP 12166 Foreclosure, Tax-Lien & Distress Report

ZIP 12166's composite property-distress score is 20/100 - DLRadar classes that as low for Montgomery County, New York. It additionally carries heavy environmental risk: climate & FEMA risk (62/100). The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (44/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Structural risk reads 44/100 against active distress of 1/100.

The peak-phase market in 12166 posted values that rose 4.9% over the year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 713 housing units across 12166. The typical home is worth about $219,400 (2.1× income, relatively affordable). Owners hold 92% of homes, renters 8%. The demographic-stress sub-score lands at 21/100. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 18.2%, above the national norm and a classic distress-and-opportunity signal. Around 18% of renters are cost-burdened. Median household income is $90,147, above the U.S. median near $78,000. Population is roughly 1,459 with a median age of 38. Around 27% of adults hold a bachelor's degree or higher.

Net-net, 12166 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12166 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 12166 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 12166 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 12166's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 12166 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.