ZIP 12814 Foreclosure, Tax-Lien & Distress Report

Warren County, New York's ZIP 12814 registers 13/100 composite distress, which DLRadar reads as minimal. The latent-versus-live split is 28/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). It additionally carries heavy environmental risk: climate & FEMA risk (65/100).

The expansion-phase market in 12814 posted values that rose 9.1% over the year (phase confidence 56/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 1,763 housing units. The demographic-stress sub-score lands at 24/100. Vacancy runs 63.5%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 87% owner-occupied to 13% rented. Around 33% of adults hold a bachelor's degree or higher. Median household income is $114,861, above the U.S. median near $78,000. Population is roughly 1,145 with a median age of 60. 7.2% of residents fall below the poverty threshold. The typical home is worth about $247,200 (2.1× income, relatively affordable). Rent burden reaches 15% of tenant households.

Net-net, 12814 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 12814 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 12814's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 12814 shows blanks, not estimates, wherever the record is sparse.

12814'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. For an operator, 12814 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.