ZIP 12803 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12803 in Saratoga County, New York comes in at 22, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)). Its standout signals are construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Structural exposure scores 51 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 22% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 4.8%. There are about 4,230 housing units across 12803. The tenure split is 59% owner-occupied to 41% rented. On demographic stress specifically, 12803 scores 27/100. About 8,915 people live here, median age 39. Households earn a median $80,913 — near the roughly $78,000 national figure. The typical home is worth about $231,300 (2.8× income, relatively affordable). Roughly 12.2% live below the poverty line. Around 25% of renters are cost-burdened. About 29% have a four-year degree.

On balance, 12803 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 12803 at the moment; the composite and its components are still built from verifiable public records.

Whether 12803 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12803 can be compared directly against any other ZIP in Saratoga County, New York or nationwide. Where the public record is thin for 12803, the field stays empty rather than modeled, and fills in as new documents post.

12803's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12803 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.