ZIP 12196 Foreclosure, Tax-Lien & Distress Report
Rensselaer County, New York · Distress market
ZIP 12196's composite property-distress score is 26/100 - DLRadar classes that as low for Rensselaer County, New York. Property-level stress concentrates in construction/permit lag (79/100), structural risk (59/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Structurally it carries 59/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (74/100).
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 26/100 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 26/100 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.
Distress signal breakdown — ZIP 12196
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
12196 at a glance
12196 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Open the complete 12196 acquisition file
Get every distressed property in 12196 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology