ZIP 12526 Foreclosure, Tax-Lien & Distress Report

ZIP code 12526 in Columbia County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (9/100) stay muted. The latent-versus-live split is 47/100 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 public records.

Whether 12526 runs hot or quiet, its 21/100 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 21/100 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.