ZIP 12835 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · High Vacancy market
DLRadar grades ZIP 12835 (Saratoga County, New York) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (62/100). Latent structural risk is 52/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in construction/permit lag (65/100), structural risk (52/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) 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 23/100 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 23/100 roll-up. For an operator, 12835 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12835’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 12835 distress snapshot
A live read on 12835: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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Unlock parcel-level detail for ZIP 12835
Get every distressed property in 12835 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology