ZIP 12850 Property Distress & Foreclosure Data

ZIP code 12850 in Saratoga County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 55/100 against active distress of 2/100. What sets it apart are the readings on construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (65/100).

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

2,537 residents call 12850 home, typically aged 48. The tenure split is 92% owner-occupied to 8% rented. On demographic stress specifically, 12850 scores 34/100. About 34% have a four-year degree. There are about 1,355 housing units across 12850. Households earn a median $94,189 — above the roughly $78,000 national figure. A median home runs $317,300 here, or 3.1 times local income. Roughly 7.5% live below the poverty line. Vacancy runs 21.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 85% of tenant households.

Taken together, 12850 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.