ZIP 12850 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · High Vacancy market
Saratoga County, New York's ZIP 12850 registers 22/100 composite distress, which DLRadar reads as low. Structural risk reads 51/100 against active distress of 2/100. Its standout signals are construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)).
The market reads expansion — home values rose 6.6% year on year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 2,537 people live here, median age 48. The tenure split is 92% owner-occupied to 8% rented. DLRadar's demographic-stress index for the area reads 34/100. Around 34% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,355 housing units. Median household income is $94,189, above the U.S. median near $78,000. The typical home is worth about $317,300 (3.1× income, relatively affordable). The poverty rate is 7.5%. Vacancy runs 21.6%, above the national norm and a classic distress-and-opportunity signal. Around 85% of renters are cost-burdened.
Taken together, 12850 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12850 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 12850 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12850 stays directly comparable to neighboring ZIPs and the rest of Saratoga County, New York. 12850 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
12850's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 12850 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 12850
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 12850 by the numbers
The live 12850 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Unlock parcel-level detail for ZIP 12850
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No modelling: every input is a public record · methodology