ZIP 12517 Foreclosure, Tax-Lien & Distress Report

Columbia County, New York's ZIP 12517 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (68/100)). 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). The latent-versus-live split is 47/100 structural and 3/100 already moving.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Population is roughly 270 with a median age of 62. Home values center near $433,300, an affordability ratio of 3.0× — accessible. There are about 144 housing units across 12517. Owners hold 77% of homes, renters 23%. Vacancy runs 31.6%, above the national norm and a classic distress-and-opportunity signal. Around 40% of renters are cost-burdened. Around 21% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 32/100. Households earn a median $143,250 — above the roughly $78,000 national figure. The poverty rate is 15.2%.

Taken together, 12517 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12517 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 12517 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. Every figure is auditable to a public dataset and refreshed on ingest; 12517 shows blanks, not estimates, wherever the record is sparse.

The 21/100 figure for 12517 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 12517 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.