ZIP 12838 Foreclosure, Tax-Lien & Distress Report
Washington County, New York · Affordable market
ZIP 12838's composite property-distress score is 17/100 - DLRadar classes that as low for Washington County, New York. Environmental exposure also runs high (flood (NFIP) exposure (64/100)). Leading the profile are structural risk (39/100), construction/permit lag (35/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (9/100) register low. Structural risk reads 39/100 against active distress of 3/100.
Prices here sit in a expansion phase: values rose 9.1% over the trailing year, at 56/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
79% of housing is owner-occupied. Educational attainment sits at 18% bachelor's-or-above. There are about 355 housing units across 12838. At $65,387, median income runs below typical U.S. levels. Population is roughly 699 with a median age of 44. The poverty rate is 10.4%. Home values center near $151,700, an affordability ratio of 2.2× — accessible. The demographic-stress sub-score lands at 20/100. Vacancy runs 7.8%. Around 0% of renters are cost-burdened.
On balance 12838 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 12838 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 12838 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. 12838 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 17/100 for 12838 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 12838 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 12838’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 12838 by the numbers
The live 12838 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Washington County ZIP reports
Nearest ZIP codes to 12838
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Washington County, New York
Further distress data across Washington County, New York at ZIP, county and state level.
Open the complete 12838 acquisition file
Every distressed parcel in 12838 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology