ZIP 12170 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · Distress market
ZIP code 12170 in Saratoga County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (63/100). Structurally it carries 52/100, against 2/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100).
The market reads expansion — home values rose 6.6% year on year, and 29% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Roughly 10.4% live below the poverty line. About 5,225 people live here, median age 40. Households earn a median $100,469 — above the roughly $78,000 national figure. Around 26% of renters are cost-burdened. 78% of housing is owner-occupied. About 24% have a four-year degree. The typical home is worth about $271,600 (2.5× income, relatively affordable). On demographic stress specifically, 12170 scores 25/100. Vacancy runs 10.9%. The ZIP holds roughly 2,317 housing units.
Overall 12170 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 12170 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 12170, the field stays empty rather than modeled, and fills in as new documents post.
12170's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 12170 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 12170
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 12170 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Saratoga County ZIP reports
Nearest ZIP codes to 12170
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Saratoga County, New York
Keep going: ZIP, county and state distress coverage for Saratoga County, New York.
Get the full acquisition report for 12170
See who owns each distressed property in 12170, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology