ZIP 12521 Foreclosure, Tax-Lien & Distress Report

Columbia County, New York's ZIP 12521 registers 22/100 composite distress, which DLRadar reads as low. Its standout 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, and 46% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $85,208, near the U.S. median near $78,000. Rent burden reaches 33% of tenant households. The vacancy rate is 39.6% — elevated. The demographic-stress sub-score lands at 30/100. The tenure split is 92% owner-occupied to 8% rented. The typical home is worth about $338,700 (3.9× income, relatively affordable). The poverty rate is 8.7%. 1,874 residents call 12521 home, typically aged 52. Around 39% of adults hold a bachelor's degree or higher. There are about 1,294 housing units across 12521.

Taken together, 12521 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12521 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12521 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12521 stays directly comparable to neighboring ZIPs and the rest of Columbia County, New York. Every figure is auditable to a public dataset and refreshed as records update; 12521 shows blanks, not estimates, wherever the record is sparse.

Behind 12521'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. For a buyer, 12521 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.