ZIP 12824 Foreclosure, Tax-Lien & Distress Report

ZIP 12824'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. Environmental exposure also runs high (climate & FEMA risk (65/100)). Structurally it carries 28/100, against 2/100 of stress already in motion.

The expansion-phase market in 12824 posted values that rose 9.1% over the year (phase confidence 56/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The demographic-stress sub-score lands at 22/100. The poverty rate is 2.0% — low. 1,022 residents call 12824 home, typically aged 56. Around 48% of adults hold a bachelor's degree or higher. The tenure split is 95% owner-occupied to 5% rented. Home values center near $425,900, an affordability ratio of 3.6× — accessible. Around 0% of renters are cost-burdened. The vacancy rate is 52.4% — elevated. At $123,026, median income runs above typical U.S. levels. The ZIP holds roughly 1,036 housing units.

Net-net, 12824 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12824 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 12824's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12824 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12824 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. The point of the 12824 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.