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 11/100 for overall property distress. Its standout signals are structural risk (23/100), construction/permit lag (13/100), 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 23/100 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.
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 11/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 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 11/100 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.
Other Warren County ZIP codes
Nearest ZIP codes to 12846
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Warren County, New York
Additional distress intelligence spanning Warren County, New York by ZIP, county and state.
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 owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology