ZIP 12815 Property Distress & Foreclosure Data

In Warren County, New York, ZIP 12815 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are structural risk (20/100), mortgage stress (6/100), institutional ownership (3/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The latent-versus-live split is 20/100 structural and 2/100 already moving.

The market reads expansion — home values rose 11.2% year on year (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $287,500 (3.3× income, relatively affordable). The poverty rate is 6.9% — low. Around 0% of renters are cost-burdened. Around 23% of adults hold a bachelor's degree or higher. The vacancy rate is 55.8% — elevated. 81% of housing is owner-occupied. At $70,917, median income runs near typical U.S. levels. The ZIP holds roughly 1,250 housing units. The demographic-stress sub-score lands at 27/100. About 999 people live here, median age 51.

Net-net, 12815 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.