ZIP 12836 Foreclosure, Tax-Lien & Distress Report

ZIP code 12836 in Warren County, New York carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The most distinctive pressure shows up in construction/permit lag (32/100), structural risk (29/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (4/100) register low. Latent structural risk is 29/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 9.0% year on year (phase confidence 55/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 63.8% — elevated. The typical home is worth about $322,200 (4.3× income). Rent burden reaches 14% of tenant households. Educational attainment sits at 33% bachelor's-or-above. About 473 people live here, median age 62. There are about 756 housing units across 12836. The tenure split is 87% owner-occupied to 13% rented. The poverty rate is 10.8%. On demographic stress specifically, 12836 scores 32/100. At $81,875, median income runs near typical U.S. levels.

On the whole, 12836 leans distressed, with opportunity clustered in specific stressed parcels. 12836 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12836 read uses the identical public-record model applied coast to coast, which means its 13/100 score means exactly what it means anywhere else, and 12836 stays directly comparable to neighboring ZIPs and the rest of Warren County, New York. Sparse data for 12836 shows as blanks, never estimates, and the score updates on every fresh public filing.

12836's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12836 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.