ZIP 12185 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12185 (Rensselaer County, New York) returns a low composite of 23/100. Leading the profile are construction/permit lag (74/100), structural risk (53/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (77/100), flood (NFIP) exposure (60/100). On the structural side it scores 53/100, with 2/100 of stress already active.

Prices here sit in a expansion phase: values rose 7.2% over the trailing year, and 20% higher over three years, at 44/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 5.4%. Around 27% of renters are cost-burdened. At $111,691, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 21/100. Educational attainment sits at 33% bachelor's-or-above. The ZIP holds roughly 773 housing units. The poverty rate is 5.2% — low. Home values center near $210,900, an affordability ratio of 1.9× — accessible. About 1,699 people live here, median age 45. Owners hold 79% of homes, renters 21%.

Broadly, 12185 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12185 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Rensselaer County, New York and the nation. Where the public record is thin for 12185, the field stays empty rather than modeled, and fills in as new documents post.

12185's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12185 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.