ZIP 12203 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · Distress market
ZIP code 12203 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 59/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)). The sharpest non-environmental signals are construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted.
The expansion-phase market in 12203 posted values that rose 6.6% over the year, and 16% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Home values center near $279,500, an affordability ratio of 3.2× — accessible. Vacancy runs 8.7%. About 30,080 people live here, median age 34. There are about 14,906 housing units across 12203. The tenure split is 49% owner-occupied to 51% rented. Around 54% of adults hold a bachelor's degree or higher. The poverty rate is 14.8%. Rent burden reaches 37% of tenant households. Households earn a median $80,055 — near the roughly $78,000 national figure. On demographic stress specifically, 12203 scores 29/100.
Net-net, 12203 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 12203 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 12203 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. The score is rebuilt from public data as it updates, so 12203 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12203 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Treat 12203 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 12203
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 listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 12203 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 12203, the same set carried on every parcel.
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Unlock the full ZIP 12203 acquisition report
The full 12203 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology