ZIP 12206 Foreclosure, Tax-Lien & Distress Report

ZIP code 12206 in Albany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Structural exposure scores 59 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)).

The expansion-phase market in 12206 posted values that rose 6.6% over the year, and 4% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 25.3% — elevated. The poverty rate is 37.8% — high, a tax-stress and distress correlate. Home values center near $162,300, an affordability ratio of 4.2×. Population is roughly 14,592 with a median age of 32. Households earn a median $38,931 — below the roughly $78,000 national figure. Around 26% of adults hold a bachelor's degree or higher. Around 55% of renters are cost-burdened. On demographic stress specifically, 12206 scores 46/100. The tenure split is 26% owner-occupied to 74% rented. There are about 8,382 housing units across 12206.

Net-net, 12206 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12206 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 12206 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Albany County, New York and the nation. The score is rebuilt from public data as it updates, so 12206 reflects the current record instead of a stale or modeled snapshot.

12206's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12206 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.