ZIP 12502 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12502 (Columbia County, New York) returns a low composite of 21/100. Structural risk reads 47/100 against active distress of 3/100. The most distinctive pressure shows up in construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (9/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (68/100).

The peak-phase market in 12502 posted values that rose 4.9% over the year, and 25% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 96% owner-occupied to 4% rented. Home values center near $370,500, an affordability ratio of 4.0× — accessible. Vacancy runs 29.4%, above the national norm and a classic distress-and-opportunity signal. Roughly 6.1% live below the poverty line, a low share typical of higher-equity areas. About 1,019 people live here, median age 51. The demographic-stress sub-score lands at 28/100. Rent burden reaches 38% of tenant households. The ZIP holds roughly 584 housing units. Educational attainment sits at 42% bachelor's-or-above. At $83,583, median income runs near typical U.S. levels.

Taken together, 12502 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12502 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 12502's 21/100 can be lined up against any neighbor in Columbia County, New York or any ZIP coast to coast. Where the public record is thin for 12502, the field stays empty rather than modeled, and fills in as new documents post.

12502's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12502 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.