ZIP 12810 Foreclosure, Tax-Lien & Distress Report

ZIP code 12810 in Warren County, New York carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). Its standout signals are construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Latent structural risk is 28/100 while live distress already moving reads 2/100.

Prices here sit in a expansion phase: values rose 9.1% over the trailing year, at 56/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

488 residents call 12810 home, typically aged 52. The typical home is worth about $155,500 (3.6× income, relatively affordable). Vacancy runs 29.8%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 307 housing units. 97% of housing is owner-occupied. 20.5% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 42/100. Around 17% of adults hold a bachelor's degree or higher. Rent burden reaches 100% of tenant households. Median household income is $51,500, below the U.S. median near $78,000.

Taken together, 12810 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12810 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 12810 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12810 can be compared directly against any other ZIP in Warren County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12810 shows blanks, not estimates, wherever the record is sparse.

The 13/100 for 12810 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 12810 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.