ZIP 12846 Foreclosure, Tax-Lien & Distress Report
Warren County, New York · High Vacancy market
DLRadar grades ZIP 12846 (Warren County, New York) at a minimal 13/100 for overall property distress. Its standout signals are construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The latent-versus-live split is 28/100 structural and 2/100 already moving.
Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 6% higher over three years, at 56/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
20.9% of residents fall below the poverty threshold. There are about 2,175 housing units across 12846. Educational attainment sits at 26% bachelor's-or-above. The typical home is worth about $221,100 (4.2× income). Median household income is $47,449, below the U.S. median near $78,000. Owners hold 81% of homes, renters 19%. Around 71% of renters are cost-burdened. Vacancy runs 32.5%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 40/100. Population is roughly 3,007 with a median age of 50.
On the whole, 12846 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12846 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 12846 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 12846 shows blanks, not estimates, wherever the record is sparse.
Each component behind 12846 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. In workflow terms, 12846 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 12846
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 12846 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12846, the same set carried on every parcel.
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Get the full acquisition report for 12846
Every distressed parcel in 12846 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
No modelling: every input is a public record · methodology