ZIP 12803 Property Distress & Foreclosure Data

Composite property distress in 12803 (Saratoga County, New York) lands at 24/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Structural risk reads 55/100 against active distress of 2/100.

The market reads expansion — home values rose 5.6% year on year, and 22% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 4.8%. There are about 4,230 housing units across 12803. 59% of housing is owner-occupied. The demographic-stress sub-score lands at 27/100. About 8,915 people live here, median age 39. At $80,913, median income runs near typical U.S. levels. The typical home is worth about $231,300 (2.8× income, relatively affordable). The poverty rate is 12.2%. Rent burden reaches 25% of tenant households. Around 29% of adults hold a bachelor's degree or higher.

Overall 12803 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.