ZIP 12513 Foreclosure, Tax-Lien & Distress Report

In Columbia County, New York, ZIP 12513 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 47 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). Leading the profile are construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 26.5% — elevated. The typical home is worth about $438,000 (6.9× income). Households earn a median $59,167 — below the roughly $78,000 national figure. There are about 210 housing units across 12513. Around 0% of renters are cost-burdened. 0.0% of residents fall below the poverty threshold. 198 residents call 12513 home, typically aged 76. Around 55% of adults hold a bachelor's degree or higher. The tenure split is 88% owner-occupied to 12% rented. On demographic stress specifically, 12513 scores 29/100.

Net-net, 12513 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12513 at the moment; the composite and its components are still built from verifiable public records.

The 12513 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 12513 stays directly comparable to neighboring ZIPs and the rest of Columbia County, New York. The score is rebuilt from public data as it updates, so 12513 reflects the current record instead of a stale or modeled snapshot.

The 21/100 for 12513 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 12513 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.