ZIP 12516 Foreclosure, Tax-Lien & Distress Report

ZIP 12516's composite property-distress score is 21/100 - DLRadar classes that as low for Columbia County, New York. The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). Structural risk reads 47/100 against active distress of 3/100. Environmental exposure also runs high (climate & FEMA risk (68/100)).

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.

At $126,667, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 18/100. Owners hold 90% of homes, renters 10%. Around 0% of renters are cost-burdened. 1,748 residents call 12516 home, typically aged 57. About 34% have a four-year degree. The typical home is worth about $309,700 (1.8× income, relatively affordable). Vacancy runs 28.5%, above the national norm and a classic distress-and-opportunity signal. 9.2% of residents fall below the poverty threshold. The ZIP holds roughly 1,078 housing units.

Taken together, 12516 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12516 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 12516 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Columbia County, New York and the nation. 12516 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 12516's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 12516 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.