ZIP 12866 Property Distress & Foreclosure Data

DLRadar grades ZIP 12866 (Saratoga County, New York) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 26% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 34% of renters are cost-burdened. The ZIP holds roughly 20,363 housing units. At $98,374, median income runs above typical U.S. levels. The vacancy rate is 11.8% — elevated. The poverty rate is 8.6%. The demographic-stress sub-score lands at 29/100. About 39,657 people live here, median age 44. 63% of housing is owner-occupied. Around 55% of adults hold a bachelor's degree or higher. The typical home is worth about $457,600 (4.3× income).

Overall 12866 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.