ZIP 12845 Foreclosure, Tax-Lien & Distress Report
Warren County, New York · High Vacancy market
ZIP 12845's composite property-distress score is 13/100 - DLRadar classes that as minimal for Warren County, New York. Latent structural risk is 28/100 while live distress already moving reads 2/100. What sets it apart are the readings on construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (65/100)).
The market reads expansion — home values rose 9.1% year on year, and 14% higher over three years, at 56/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
4,389 residents call 12845 home, typically aged 52. The ZIP holds roughly 3,458 housing units. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 37% bachelor's-or-above. Vacancy runs 43.1%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 32/100. Owners hold 76% of homes, renters 24%. Households earn a median $95,583 — above the roughly $78,000 national figure. The typical home is worth about $355,900 (3.9× income, relatively affordable). Rent burden reaches 37% of tenant households.
On the whole, 12845 leans distressed, with opportunity clustered in specific stressed parcels. While 12845 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 12845 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12845 can be compared directly against any other ZIP in Warren County, New York or nationwide. The score is rebuilt from public data as it updates, so 12845 reflects the current record instead of a stale or modeled snapshot.
The 13/100 figure for 12845 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 12845 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12845
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
12845 at a glance
12845 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Unlock the full ZIP 12845 acquisition report
See who owns each distressed property in 12845, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology