ZIP 12842 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12842 (Hamilton County, New York) at a low 15/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (71/100). On the structural side it scores 34/100, with 8/100 of stress already active. Its standout signals are construction/permit lag (54/100), institutional ownership (34/100), structural risk (34/100). On the quiet end sit structural risk (34/100) and mortgage stress (28/100).

The market reads expansion — home values rose 6.0% year on year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 79% owner-occupied to 21% rented. Around 38% of renters are cost-burdened. There are about 1,295 housing units across 12842. DLRadar's demographic-stress index for the area reads 34/100. Households earn a median $60,592 — below the roughly $78,000 national figure. 952 residents call 12842 home, typically aged 58. Educational attainment sits at 26% bachelor's-or-above. A median home runs $220,200 here, or 3.8 times local income. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 65.8% — elevated.

Taken together, 12842 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12842 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 12842's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12842 reflects the current record instead of a stale or modeled snapshot.

Behind 12842'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. Treat 12842 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.