ZIP 12565 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12565 (Columbia County, New York) lands at 21/100 — low on DLRadar's public-record scoring. What sets it apart are the readings on construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). On the structural side it scores 47/100, 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 public records.

The number is not local guesswork: 12565's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 12565, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 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.