ZIP 12460 Foreclosure, Tax-Lien & Distress Report

In Albany County, New York, ZIP 12460 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (80/100). On the structural side it scores 53/100, with 2/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (53/100), institutional ownership (12/100). institutional ownership (12/100) and mortgage stress (6/100) stay muted.

Prices here sit in a expansion phase: values rose 6.4% over the trailing year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $342,500. Owners hold 100% of homes, renters 0%. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. There are about 135 housing units across 12460. Educational attainment sits at 48% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 14/100. Vacancy runs 26.1%, above the national norm and a classic distress-and-opportunity signal. About 161 people live here, median age 63.

On the whole, 12460 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12460 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 12460 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12460 reflects the current record instead of a stale or modeled snapshot.

12460'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. Treat 12460 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.