ZIP 12837 Foreclosure, Tax-Lien & Distress Report

ZIP 12837's composite property-distress score is 16/100 - DLRadar classes that as low for Washington County, New York. Environmental exposure also runs high (flood (NFIP) exposure (66/100)). Structurally it carries 37/100, against 3/100 of stress already in motion. Property-level stress concentrates in 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 market reads expansion — home values rose 9.1% year on year (phase confidence 56/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

On demographic stress specifically, 12837 scores 23/100. 83% of housing is owner-occupied. The typical home is worth about $162,500 (2.1× income, relatively affordable). Around 11% of renters are cost-burdened. The poverty rate is 13.1%. About 16% have a four-year degree. Median household income is $76,979, near the U.S. median near $78,000. 943 residents call 12837 home, typically aged 38. The ZIP holds roughly 421 housing units. Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 12837 leans distressed, with opportunity clustered in specific stressed parcels. 12837 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 12837 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. Where the public record is thin for 12837, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12837's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 12837 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.