ZIP 12523 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
Scored on a fixed 0-100 scale, 12523 (Columbia County, New York) returns a low composite of 22/100. Climate and flood risk are elevated too — flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). Structural exposure scores 51 and live distress 3 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low.
The market reads peak — home values rose 4.9% year on year, and 29% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
On demographic stress specifically, 12523 scores 41/100. About 2,132 people live here, median age 52. Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. About 29% have a four-year degree. Rent burden reaches 48% of tenant households. Owners hold 79% of homes, renters 21%. At $54,128, median income runs below typical U.S. levels. A median home runs $343,400 here, or 6.1 times local income. 18.9% of residents fall below the poverty threshold. There are about 1,212 housing units across 12523.
On the whole, 12523 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12523 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 12523's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 12523 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 22/100 figure for 12523 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 12523 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 12523’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
12523 at a glance
A live read on 12523: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Nearby ZIPs in Columbia County
Nearest ZIP codes to 12523
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12523
Keep going: ZIP, county and state distress coverage for Columbia County, New York.
The complete 12523 distress and acquisition report
Open 12523 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology