ZIP 12530 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12530 (Columbia County, New York) at a low 22/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (70/100), climate & FEMA risk (68/100)). Structural risk reads 51/100 against active distress of 0/100. What sets it apart are the readings on construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) register low.

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 100% of homes, renters 0%. About 0% have a four-year degree. About 218 people live here, median age 56. 0.0% of residents fall below the poverty threshold. The vacancy rate is 0.0%. There are about 74 housing units across 12530. On demographic stress specifically, 12530 scores 59/100.

On balance, 12530 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 12530 at the moment; the composite and its components are still built from verifiable records.

The 12530 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12530 stays directly comparable to neighboring ZIPs and the rest of Columbia County, New York. 12530 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 12530 - 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, 12530 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.