ZIP 12804 Foreclosure, Tax-Lien & Distress Report
Warren County, New York · Distress market
Warren County, New York's ZIP 12804 registers 13/100 composite distress, which DLRadar reads as minimal. Climate and flood risk are elevated too — climate & FEMA risk (65/100). On the structural side it scores 28/100, with 2/100 of stress already active. Property-level stress concentrates in construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.
Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 24% higher over three years, at 56/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Median household income is $90,074, above the U.S. median near $78,000. Rent burden reaches 37% of tenant households. The ZIP holds roughly 13,443 housing units. Around 39% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 26/100. 74% of housing is owner-occupied. Vacancy runs 6.2%. 28,175 residents call 12804 home, typically aged 48. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $311,400 (3.2× income, relatively affordable).
Broadly, 12804 is a steadier market — the deals are the exceptions, not the rule. While 12804 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 12804's 13/100 can be lined up against any neighbor in Warren County, New York or any ZIP coast to coast. Sparse data for 12804 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 13/100 for 12804 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 12804 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 12804
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 12804 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12804, the same set carried on every parcel.
Neighbouring ZIPs in Warren County
Related reports across Warren County, New York
Additional distress intelligence spanning Warren County, New York by ZIP, county and state.
The complete 12804 distress and acquisition report
Open 12804 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology