ZIP 12815 Foreclosure, Tax-Lien & Distress Report

Warren County, New York's ZIP 12815 registers 11/100 composite distress, which DLRadar reads as minimal. The most distinctive pressure shows up in structural risk (23/100), construction/permit lag (13/100), 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). On the structural side it scores 23/100, with 2/100 of stress already active.

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.

A median home runs $287,500 here, or 3.3 times local income. The poverty rate is 6.9% — low. Rent burden reaches 0% of tenant households. Educational attainment sits at 23% bachelor's-or-above. Vacancy runs 55.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 81% owner-occupied to 19% rented. Households earn a median $70,917 — near the roughly $78,000 national figure. The ZIP holds roughly 1,250 housing units. On demographic stress specifically, 12815 scores 27/100. About 999 people live here, median age 51.

On the whole, 12815 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12815 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12815 read uses the identical scoring model applied coast to coast, which means its 11/100 score means exactly what it means anywhere else, and 12815 stays directly comparable to neighboring ZIPs and the rest of Warren County, New York. Sparse data for 12815 shows as blanks, never estimates, and the score updates on every fresh public filing.

12815'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 a buyer, 12815 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.