ZIP 12190 Foreclosure, Tax-Lien & Distress Report

In Hamilton County, New York, ZIP 12190 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (54/100), institutional ownership (34/100), structural risk (34/100). By contrast, structural risk (34/100) and mortgage stress (28/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (71/100). The split runs 34/100 structural to 8/100 active on the ground.

The expansion-phase market in 12190 posted values that rose 6.0% over the year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $268,600 here, or 4.6 times local income. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 68.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. Households earn a median $55,568 — below the roughly $78,000 national figure. There are about 785 housing units across 12190. About 16% have a four-year degree. The demographic-stress sub-score lands at 32/100. About 683 people live here, median age 55. Owners hold 84% of homes, renters 16%.

On the whole, 12190 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12190 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 12190's 15/100 can be lined up against any neighbor in Hamilton County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12190, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12190 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 12190 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.