ZIP 12516 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
ZIP 12516's composite property-distress score is 22/100 - DLRadar classes that as low for Columbia County, New York. The sharpest non-environmental signals are construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (9/100). Structural risk reads 51/100 against active distress of 3/100. Environmental exposure also runs high (flood (NFIP) exposure (70/100), 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.
Big metro or rural, 12516 runs through one identical scoring model, so its 22/100 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.
Distress signal breakdown — ZIP 12516
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 12516 distress snapshot
A live read on 12516: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12516
More ZIP, county and state distress intelligence connected to Columbia County, New York.
Open the complete 12516 acquisition file
See who owns each distressed property in 12516, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology