ZIP 12186 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · Distress market
ZIP code 12186 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The split runs 59/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (71/100). The pressure is most legible in construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted.
The expansion-phase market in 12186 posted values that rose 6.6% over the year, and 12% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The vacancy rate is 3.2%. Home values center near $360,000, an affordability ratio of 2.9× — accessible. Households earn a median $116,053 — above the roughly $78,000 national figure. Rent burden reaches 35% of tenant households. About 6,608 people live here, median age 44. There are about 2,717 housing units across 12186. 85% of housing is owner-occupied. Around 52% of adults hold a bachelor's degree or higher. 6.5% of residents fall below the poverty threshold. On demographic stress specifically, 12186 scores 22/100.
Net-net, 12186 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 12186 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 12186 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. 12186 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
12186'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. Treat 12186 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 12186
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.
12186 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Albany County ZIPs near 12186
More distress data near 12186
Further distress data across Albany County, New York at ZIP, county and state level.
Get the full acquisition report for 12186
Open 12186 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology