ZIP 12816 Foreclosure, Tax-Lien & Distress Report

ZIP code 12816 in Washington County, New York carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 37/100 structural and 3/100 already moving. The sharpest non-environmental signals are structural risk (37/100), construction/permit lag (28/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (9/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (66/100)).

The market reads expansion — home values rose 9.1% year on year, and 38% higher over three years (phase confidence 56/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 4,692 with a median age of 50. The typical home is worth about $218,900 (2.7× income, relatively affordable). Owners hold 83% of homes, renters 17%. Median household income is $79,669, near the U.S. median near $78,000. Vacancy runs 19.2%, above the national norm and a classic distress-and-opportunity signal. 8.9% of residents fall below the poverty threshold. There are about 2,615 housing units across 12816. Rent burden reaches 58% of tenant households. Educational attainment sits at 32% bachelor's-or-above. On demographic stress specifically, 12816 scores 29/100.

Taken together, 12816 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12816 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 12816's 16/100 can be lined up against any neighbor in Washington County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12816, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 12816 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 a buyer, 12816 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.