ZIP 12822 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · High Vacancy market
In Saratoga County, New York, ZIP 12822 scores 23 of 100 for composite distress, a low level on DLRadar's distress index. What sets it apart are the readings on construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (63/100). Latent structural risk is 52/100 while live distress already moving reads 2/100.
Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 21% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
At $80,000, median income runs near typical U.S. levels. Roughly 12.6% live below the poverty line. Home values center near $189,400, an affordability ratio of 2.3× — accessible. There are about 3,467 housing units across 12822. Educational attainment sits at 16% bachelor's-or-above. Vacancy runs 25.3%, above the national norm and a classic distress-and-opportunity signal. 6,149 residents call 12822 home, typically aged 42. DLRadar's demographic-stress index for the area reads 29/100. Around 35% of renters are cost-burdened. The tenure split is 76% owner-occupied to 24% rented.
On the whole, 12822 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 12822 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
The number is not local guesswork: 12822's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 12822 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
12822's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12822 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 12822
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 12822 Stress Report snapshot
A live read on 12822: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Saratoga County ZIP reports
Nearest ZIP codes to 12822
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Saratoga County, New York
Additional distress intelligence spanning Saratoga County, New York by ZIP, county and state.
Unlock the full ZIP 12822 acquisition report
Every distressed parcel in 12822 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology