ZIP 12860 Property Distress & Foreclosure Data

In Warren County, New York, ZIP 12860 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are structural risk (20/100), mortgage stress (6/100), institutional ownership (3/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. On the structural side it scores 20/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (65/100).

The market reads expansion — home values rose 11.2% year on year (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 0% of renters are cost-burdened. The poverty rate is 18.0% — high, a tax-stress and distress correlate. The typical home is worth about $215,400. The ZIP holds roughly 290 housing units. Around 27% of adults hold a bachelor's degree or higher. The vacancy rate is 45.1% — elevated. The demographic-stress sub-score lands at 25/100. 83% of housing is owner-occupied. About 377 people live here, median age 44.

Net-net, 12860 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.