ZIP 12865 Foreclosure, Tax-Lien & Distress Report
Washington County, New York · High Vacancy market
ZIP 12865's composite property-distress score is 17/100 - DLRadar classes that as low for Washington County, New York. It additionally carries heavy environmental risk: flood (NFIP) exposure (64/100). The sharpest non-environmental signals are structural risk (39/100), construction/permit lag (35/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (9/100) stay muted. Structural exposure scores 39 and live distress 3 on the 0–100 scale.
Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 25% higher over three years (phase confidence 56/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
A median home runs $192,900 here, or 2.4 times local income. The tenure split is 82% owner-occupied to 18% rented. The ZIP holds roughly 1,780 housing units. The vacancy rate is 17.8% — elevated. Households earn a median $70,868 — near the roughly $78,000 national figure. Rent burden reaches 29% of tenant households. The poverty rate is 14.4%. On demographic stress specifically, 12865 scores 26/100. Population is roughly 3,353 with a median age of 47. About 28% have a four-year degree.
On the whole, 12865 leans distressed, with opportunity clustered in specific stressed parcels. 12865 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The 12865 read uses the identical scoring model applied coast to coast, which means its 17/100 score means exactly what it means anywhere else, and 12865 stays directly comparable to neighboring ZIPs and the rest of Washington County, New York. The score is rebuilt from public data as it updates, so 12865 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12865 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. For a buyer, 12865 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.
Distress signal breakdown — ZIP 12865
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 12865 distress snapshot
A live read on 12865: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Washington County ZIPs near 12865
Nearest ZIP codes to 12865
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 Washington County, New York at ZIP, county and state level.
The complete 12865 distress and acquisition report
Pull every distressed parcel in 12865 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Each signal above is traceable to an open dataset · methodology