ZIP 12204 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12204 in Albany County, New York comes in at 26, a low composite-distress reading. Leading the profile 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. On the structural side it scores 59/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The expansion-phase market in 12204 posted values that rose 6.6% over the year, and 42% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $75,197 — near the roughly $78,000 national figure. Roughly 14.1% live below the poverty line. Vacancy runs 8.3%. Rent burden reaches 27% of tenant households. About 39% have a four-year degree. DLRadar's demographic-stress index for the area reads 30/100. About 8,423 people live here, median age 34. The typical home is worth about $244,800 (3.0× income, relatively affordable). There are about 3,986 housing units across 12204. Owners hold 30% of homes, renters 70%.

On balance 12204 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 12204 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 12204 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12204 can be compared directly against any other ZIP in Albany County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12204 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 12204 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 12204 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.