ZIP 12544 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 12544 in Columbia County, New York comes in at 22, a low composite-distress reading. The latent-versus-live split is 51/100 structural and 0/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). Its standout signals are construction/permit lag (66/100), structural risk (51/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 100% owner-occupied to 0% rented. There are about 47 housing units across 12544. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. About 54 people live here. The demographic-stress sub-score lands at 56/100. About 0% have a four-year degree. The vacancy rate is 0.0%.

Broadly, 12544 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 12544 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12544 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12544 stays directly comparable to neighboring ZIPs and the rest of Columbia County, New York. Nothing here is interpolated — where a source is thin for 12544, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12544's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 12544 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.