ZIP 12864 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12864 (Hamilton County, New York) lands at 14/100 — minimal on DLRadar's distress scoring. Structural exposure scores 31 and live distress 0 on the 0–100 scale. The pressure is most legible in construction/permit lag (46/100), institutional ownership (33/100), structural risk (31/100). institutional ownership (33/100) and structural risk (31/100) stay muted.

The expansion-phase market in 12864 posted values that rose 6.0% over the year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 100% of homes, renters 0%. On demographic stress specifically, 12864 scores 55/100. Educational attainment sits at 100% bachelor's-or-above. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 9 residents call 12864 home. The ZIP holds roughly 106 housing units. The vacancy rate is 96.1% — elevated.

Taken together, 12864 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12864 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 12864's 14/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12864 reflects the current record instead of a stale or modeled snapshot.

12864's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12864 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.