ZIP 12809 Foreclosure, Tax-Lien & Distress Report

ZIP 12809's composite property-distress score is 16/100 - DLRadar classes that as low for Washington County, New York. Structurally it carries 37/100, against 3/100 of stress already in motion. What sets it apart are the readings on structural risk (37/100), construction/permit lag (28/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (9/100). Climate and flood risk are elevated too — flood (NFIP) exposure (66/100).

Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 39% higher over three years (phase confidence 56/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $256,100, an affordability ratio of 3.0× — accessible. Roughly 8.9% live below the poverty line. 88% of housing is owner-occupied. There are about 1,864 housing units across 12809. Population is roughly 3,639 with a median age of 49. DLRadar's demographic-stress index for the area reads 29/100. Vacancy runs 19.4%, above the national norm and a classic distress-and-opportunity signal. Median household income is $74,631, near the U.S. median near $78,000. Educational attainment sits at 21% bachelor's-or-above. Around 45% of renters are cost-burdened.

On the whole, 12809 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 12809 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12809 can be compared directly against any other ZIP in Washington County, New York or nationwide. Where the public record is thin for 12809, the field stays empty rather than modeled, and fills in as new documents post.

12809's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 12809 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.