ZIP 12859 Foreclosure, Tax-Lien & Distress Report

ZIP code 12859 in Saratoga County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Structurally it carries 52/100, against 2/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (63/100)).

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 23% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 11.1%. The ZIP holds roughly 744 housing units. Roughly 14.9% live below the poverty line. Around 25% of renters are cost-burdened. The tenure split is 87% owner-occupied to 13% rented. About 22% have a four-year degree. At $72,847, median income runs near typical U.S. levels. Population is roughly 1,629 with a median age of 47. DLRadar's demographic-stress index for the area reads 30/100. The typical home is worth about $210,200 (4.1× income).

Net-net, 12859 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 12859 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 12859 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12859 can be compared directly against any other ZIP in Saratoga County, New York or nationwide. Sparse data for 12859 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 figure for 12859 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 12859 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.