ZIP 12526 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
ZIP code 12526 in Columbia County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). The sharpest non-environmental signals are construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (9/100) stay muted. The latent-versus-live split is 51/100 structural and 3/100 already moving.
Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 27% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The ZIP holds roughly 1,837 housing units. The poverty rate is 9.3%. Vacancy runs 17.4%, above the national norm and a classic distress-and-opportunity signal. Owners hold 82% of homes, renters 18%. Around 43% of adults hold a bachelor's degree or higher. Around 35% of renters are cost-burdened. About 3,427 people live here, median age 54. On demographic stress specifically, 12526 scores 29/100. Home values center near $485,000, an affordability ratio of 4.3×. At $87,107, median income runs near typical U.S. levels.
Net-net, 12526 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12526 at the moment; the composite and its components are still built from verifiable records.
Whether 12526 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12526 can be compared directly against any other ZIP in Columbia County, New York or nationwide. 12526 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 12526 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. In workflow terms, 12526 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 12526’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 12526 by the numbers
12526 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Nearest ZIP codes to 12526
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More distress data near 12526
Keep going: ZIP, county and state distress coverage for Columbia County, New York.
Unlock parcel-level detail for ZIP 12526
See who owns each distressed property in 12526, 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.
Rules-based scoring — each signal ties to a public dataset · methodology