ZIP 12195 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12195 (Columbia County, New York) lands at 22/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). The pressure is most legible in construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low. Structurally it carries 51/100, against 3/100 of stress already in motion.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Home values center near $229,600. Vacancy runs 0.0%. Population is roughly 155 with a median age of 29. Median household income is $143,817, above the U.S. median near $78,000. About 25% have a four-year degree. On demographic stress specifically, 12195 scores 39/100. There are about 87 housing units across 12195. Rent burden reaches 0% of tenant households. Owners hold 83% of homes, renters 17%. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.

Broadly, 12195 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 12195 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 12195's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 12195, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12195 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Treat 12195 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.