ZIP 12184 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12184 in Columbia County, New York comes in at 21, a low composite-distress reading. Structural risk reads 48/100 against active distress of 3/100. Environmental exposure also runs high (climate & FEMA risk (68/100)). Property-level stress concentrates in construction/permit lag (62/100), structural risk (48/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (9/100) stay muted.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 18% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 3,412 housing units across 12184. Educational attainment sits at 38% bachelor's-or-above. Owners hold 79% of homes, renters 21%. At $91,616, median income runs above typical U.S. levels. Population is roughly 7,547 with a median age of 47. 7.1% of residents fall below the poverty threshold. The vacancy rate is 14.6% — elevated. DLRadar's demographic-stress index for the area reads 28/100. Home values center near $355,200, an affordability ratio of 3.4× — accessible. Around 38% of renters are cost-burdened.

On the whole, 12184 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12184 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 12184 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 12184 stays directly comparable to neighboring ZIPs and the rest of Columbia County, New York. The score is rebuilt from public data as it updates, so 12184 reflects the current record instead of a stale or modeled snapshot.

The 21/100 figure for 12184 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. For an operator, 12184 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.