ZIP 12834 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12834 (Washington County, New York) at a low 16/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (66/100). What sets it apart are the readings on structural risk (37/100), construction/permit lag (28/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (9/100) register low. The split runs 37/100 structural to 3/100 active on the ground.

The expansion-phase market in 12834 posted values that rose 9.1% over the year, and 24% higher over three years (phase confidence 56/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $249,800 here, or 2.8 times local income. The poverty rate is 4.9% — low. 82% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. There are about 3,029 housing units across 12834. Rent burden reaches 24% of tenant households. The vacancy rate is 7.7%. Households earn a median $82,931 — near the roughly $78,000 national figure. 6,137 residents call 12834 home, typically aged 46. Around 29% of adults hold a bachelor's degree or higher.

Overall 12834 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 12834 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 12834 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. 12834 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

12834's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 12834 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.