ZIP 12196 Foreclosure, Tax-Lien & Distress Report

ZIP 12196's composite property-distress score is 25/100 - DLRadar classes that as low for Rensselaer County, New York. Property-level stress concentrates in construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Structurally it carries 56/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (83/100).

The expansion-phase market in 12196 posted values that rose 6.6% over the year, and 25% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

3.8% of residents fall below the poverty threshold. Vacancy runs 0.5%. Owners hold 91% of homes, renters 9%. Educational attainment sits at 43% bachelor's-or-above. At $126,825, median income runs above typical U.S. levels. About 3,848 people live here, median age 43. Rent burden reaches 42% of tenant households. The ZIP holds roughly 1,452 housing units. On demographic stress specifically, 12196 scores 23/100. The typical home is worth about $317,300 (2.7× income, relatively affordable).

On balance 12196 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 12196 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 12196 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 12196 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 12196 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.