ZIP 12824 Property Distress & Foreclosure Data

In Warren County, New York, ZIP 12824 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are structural risk (20/100), mortgage stress (6/100), institutional ownership (3/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). On the structural side it scores 20/100, with 2/100 of stress already active.

The market reads expansion — home values rose 11.2% year on year (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 22/100. The poverty rate is 2.0% — low. About 1,022 people live here, median age 56. Around 48% of adults hold a bachelor's degree or higher. 95% of housing is owner-occupied. The typical home is worth about $425,900 (3.6× income, relatively affordable). 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.