ZIP 12863 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12863 (Saratoga County, New York) returns a low composite of 22/100. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). Its heaviest discrete signals: construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Structural risk reads 51/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

870 residents call 12863 home, typically aged 37. The vacancy rate is 14.9% — elevated. The typical home is worth about $342,100 (3.4× income, relatively affordable). The ZIP holds roughly 407 housing units. Median household income is $92,536, above the U.S. median near $78,000. The demographic-stress sub-score lands at 37/100. Around 14% of adults hold a bachelor's degree or higher. Around 88% of renters are cost-burdened. The tenure split is 81% owner-occupied to 19% rented. 5.4% of residents fall below the poverty threshold.

Net-net, 12863 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12863 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 12863 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 12863 stays directly comparable to neighboring ZIPs and the rest of Saratoga County, New York. The score is rebuilt from public data as it updates, so 12863 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12863 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For a buyer, 12863 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.