ZIP 12189 Foreclosure, Tax-Lien & Distress Report

ZIP 12189's composite property-distress score is 26/100 - DLRadar classes that as low for Albany County, New York. The most distinctive pressure shows up in construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Latent structural risk is 59/100 while live distress already moving reads 2/100. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The expansion-phase market in 12189 posted values that rose 6.6% over the year, and 34% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $62,763, median income runs below typical U.S. levels. Roughly 15.3% live below the poverty line. Population is roughly 18,205 with a median age of 41. Rent burden reaches 32% of tenant households. Home values center near $220,600, an affordability ratio of 3.2× — accessible. The tenure split is 41% owner-occupied to 59% rented. Educational attainment sits at 27% bachelor's-or-above. On demographic stress specifically, 12189 scores 32/100. The vacancy rate is 12.2% — elevated. There are about 9,708 housing units across 12189.

Taken together, 12189 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12189 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12189 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 12189 stays directly comparable to neighboring ZIPs and the rest of Albany County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 12189 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12189 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 12189 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.