ZIP 12835 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12835 (Saratoga County, New York) at a low 22/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). Latent structural risk is 51/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in construction/permit lag (57/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The expansion-phase market in 12835 posted values that rose 6.6% over the year, and 6% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Rent burden reaches 37% of tenant households. 2,700 residents call 12835 home, typically aged 56. At $70,638, median income runs near typical U.S. levels. On demographic stress specifically, 12835 scores 31/100. The ZIP holds roughly 2,679 housing units. Owners hold 85% of homes, renters 15%. 9.1% of residents fall below the poverty threshold. The vacancy rate is 54.3% — elevated. Educational attainment sits at 26% bachelor's-or-above. A median home runs $224,100 here, or 3.1 times local income.

Taken together, 12835 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 12835 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 12835 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 12835 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For an operator, 12835 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.