ZIP 12856 Foreclosure, Tax-Lien & Distress Report
Warren County, New York · High Vacancy market
In Warren County, New York, ZIP 12856 scores 11 of 100 for composite distress, a minimal level on DLRadar's distress index. On the structural side it scores 23/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (65/100)). The pressure is most legible in structural risk (23/100), construction/permit lag (13/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).
The market reads expansion — home values rose 9.1% year on year, at 56/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Population is roughly 300 with a median age of 29. 52% of housing is owner-occupied. The demographic-stress sub-score lands at 24/100. About 73% have a four-year degree. The typical home is worth about $243,400 (3.8× income, relatively affordable). Around 0% of renters are cost-burdened. The vacancy rate is 49.4% — elevated. Median household income is $58,714, below the U.S. median near $78,000. There are about 351 housing units across 12856. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.
Net-net, 12856 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12856 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 12856's 11/100 can be lined up against any neighbor in Warren County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12856, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 11/100 for 12856 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 12856 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.
ZIP 12856 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
12856 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 12856, the same set carried on every parcel.
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Get the full acquisition report for 12856
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Deterministic. Every signal traces to a public dataset · methodology