ZIP 12860 Foreclosure, Tax-Lien & Distress Report
Warren County, New York · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 12860 in Warren County, New York comes in at 11, a minimal composite-distress reading. What sets it apart are the readings on structural risk (23/100), construction/permit lag (13/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structural risk reads 23/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (65/100).
The market reads expansion — home values rose 9.1% year on year, at 56/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Rent burden reaches 0% of tenant households. The poverty rate is 18.0% — high, a tax-stress and distress correlate. A median home runs $215,400 here. The ZIP holds roughly 290 housing units. About 27% have a four-year degree. Vacancy runs 45.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 12860 scores 48/100. The tenure split is 83% owner-occupied to 17% rented. Population is roughly 377 with a median age of 44.
On the whole, 12860 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12860 is not published yet -- the ZIP-level readings above remain fully sourced.
The 12860 read uses the identical scoring model applied coast to coast, which means its 11/100 score means exactly what it means anywhere else, and 12860 stays directly comparable to neighboring ZIPs and the rest of Warren County, New York. Where the record is thin for 12860, the field stays empty rather than modeled, and fills in as new documents post.
The 11/100 for 12860 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 12860 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
What is driving ZIP 12860’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 12860 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12860, the same set carried on every parcel.
Warren County ZIPs near 12860
Nearest ZIP codes to 12860
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Further distress data across Warren County, New York at ZIP, county and state level.
Unlock parcel-level detail for ZIP 12860
Open 12860 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology