ZIP 12523 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12523 (Columbia County, New York) returns a low composite of 21/100. Climate and flood risk are elevated too — climate & FEMA risk (68/100). Structural exposure scores 47 and live distress 3 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) 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 public records.

The number is not local guesswork: 12523's 21/100 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 21/100 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.