ZIP 12529 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 12529 (Columbia County, New York) returns a low composite of 22/100. Environmental exposure also runs high (flood (NFIP) exposure (70/100), climate & FEMA risk (68/100)). The split runs 51/100 structural to 3/100 active on the ground. The pressure is most legible 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.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 64% higher over three years (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Median household income is $79,531, near the U.S. median near $78,000. 10.3% of residents fall below the poverty threshold. Vacancy runs 37.1%, above the national norm and a classic distress-and-opportunity signal. About 49% have a four-year degree. There are about 1,910 housing units across 12529. 75% of housing is owner-occupied. The typical home is worth about $384,600 (4.9× income). On demographic stress specifically, 12529 scores 34/100. Rent burden reaches 37% of tenant households. Population is roughly 2,345 with a median age of 56.

Taken together, 12529 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12529 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 12529 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 12529 can be compared directly against any other ZIP in Columbia County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12529, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12529's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 12529 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.