ZIP 12565 Foreclosure, Tax-Lien & Distress Report
Columbia County, New York · High Vacancy market
Composite property distress in 12565 (Columbia County, New York) lands at 22/100 — low on DLRadar's distress scoring. 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) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). On the structural side it scores 51/100, with 3/100 of stress already active.
Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
Median household income is $62,972, below the U.S. median near $78,000. Around 22% of renters are cost-burdened. The typical home is worth about $225,000 (3.4× income, relatively affordable). The demographic-stress sub-score lands at 30/100. 8.9% of residents fall below the poverty threshold. Owners hold 59% of homes, renters 41%. Educational attainment sits at 27% bachelor's-or-above. There are about 764 housing units across 12565. About 1,575 people live here, median age 43. Vacancy runs 23.4%, above the national norm and a classic distress-and-opportunity signal.
On the whole, 12565 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12565 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 12565's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 12565, the field stays empty rather than modeled, and fills in as new documents post.
The 22/100 for 12565 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12565 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12565
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
12565 at a glance
The live 12565 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Columbia County ZIP codes
Nearest ZIP codes to 12565
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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The complete 12565 distress and acquisition report
Get every distressed property in 12565 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
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