ZIP 12812 Foreclosure, Tax-Lien & Distress Report
Hamilton County, New York · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 12812 in Hamilton County, New York comes in at 13, a minimal composite-distress reading. The sharpest non-environmental signals are construction/permit lag (46/100), institutional ownership (32/100), structural risk (30/100). structural risk (30/100) and mortgage stress (28/100) stay muted. Structural risk reads 30/100 against active distress of 8/100.
The market reads expansion — home values rose 6.0% year on year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Households earn a median $170,156 — above the roughly $78,000 national figure. 265 residents call 12812 home, typically aged 67. On demographic stress specifically, 12812 scores 38/100. About 26% have a four-year degree. 100% of housing is owner-occupied. There are about 286 housing units across 12812. The vacancy rate is 66.0% — elevated. The typical home is worth about $412,200 (2.3× income, relatively affordable). Roughly 4.5% live below the poverty line, a low share typical of higher-equity areas.
On the whole, 12812 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.
Because one deterministic model scores every ZIP, 12812's 13/100 can be lined up against any neighbor in Hamilton County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12812 reflects the current record instead of a stale or modeled snapshot.
The 13/100 figure for 12812 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 12812 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12812
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 12812 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 12812, drawn from the same report attached to each property.
Neighbouring ZIPs in Hamilton County
Nearest ZIP codes to 12812
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Keep going: ZIP, county and state distress coverage for Hamilton County, New York.
The complete 12812 distress and acquisition report
Open 12812 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
No modelling: every input is a public record · methodology