ZIP 12817 Foreclosure, Tax-Lien & Distress Report

ZIP 12817's composite property-distress score is 13/100 - DLRadar classes that as minimal for Warren County, New York. Leading the profile are construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). 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 28/100 structural and 2/100 already moving.

Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 89% higher over three years, at 56/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 12817 scores 30/100. The ZIP holds roughly 2,122 housing units. The poverty rate is 7.1% — low. Educational attainment sits at 43% bachelor's-or-above. At $90,469, median income runs above typical U.S. levels. 2,023 residents call 12817 home, typically aged 60. The vacancy rate is 54.4% — elevated. Home values center near $327,600, an affordability ratio of 3.4× — accessible. Rent burden reaches 39% of tenant households. The tenure split is 82% owner-occupied to 18% rented.

Net-net, 12817 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12817 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 12817 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 12817, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12817 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. Practically, 12817 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.