ZIP 12534 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
Columbia County, New York's ZIP 12534 registers 22/100 composite distress, which DLRadar reads as low. Its standout signals are 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. Environmental exposure also runs high (flood (NFIP) exposure (70/100), climate & FEMA risk (68/100)). Structurally it carries 51/100, against 3/100 of stress already in motion.
Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 17% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Median household income is $76,086, near the U.S. median near $78,000. About 17,468 people live here, median age 47. On demographic stress specifically, 12534 scores 35/100. The ZIP holds roughly 9,575 housing units. Around 33% of adults hold a bachelor's degree or higher. Owners hold 62% of homes, renters 38%. The poverty rate is 16.5% — high, a tax-stress and distress correlate. A median home runs $316,700 here, or 3.4 times local income. Rent burden reaches 57% of tenant households. The vacancy rate is 18.3% — elevated.
Net-net, 12534 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12534 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 12534 runs through one identical scoring model, so its 22/100 sits on the same scale as every other ZIP in Columbia County, New York and the nation. Sparse data for 12534 shows as blanks, never estimates, and the score updates on every fresh public filing.
12534's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12534 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 12534
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 12534 by the numbers
A live read on 12534: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Columbia County ZIP codes
Nearest ZIP codes to 12534
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12534
Keep going: ZIP, county and state distress coverage for Columbia County, New York.
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Rules-based scoring — each signal ties to a public dataset · methodology