ZIP 12833 Foreclosure, Tax-Lien & Distress Report

Saratoga County, New York's ZIP 12833 registers 22/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Structural exposure scores 51 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (64/100).

The market reads expansion — home values rose 6.6% year on year, and 35% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $97,621, above the U.S. median near $78,000. About 41% have a four-year degree. The vacancy rate is 6.2%. Population is roughly 5,368 with a median age of 42. The poverty rate is 11.9%. The ZIP holds roughly 2,203 housing units. Rent burden reaches 17% of tenant households. 86% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 23/100. Home values center near $345,600, an affordability ratio of 3.3× — accessible.

On balance, 12833 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 12833 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 12833's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 12833 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 22/100 figure for 12833 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. Practically, 12833 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.