ZIP 12170 Property Distress & Foreclosure Data

ZIP code 12170 in Saratoga County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). On the structural side it scores 55/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 29% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 10.4%. About 5,225 people live here, median age 40. At $100,469, median income runs above typical U.S. levels. Around 26% of renters are cost-burdened. 78% of housing is owner-occupied. Around 24% of adults hold a bachelor's degree or higher. The typical home is worth about $271,600 (2.5× income, relatively affordable). The demographic-stress sub-score lands at 25/100. The vacancy rate is 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.