ZIP 12866 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12866 (Saratoga County, New York) returns a low composite of 22/100. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)). Structural risk reads 51/100 against active distress of 2/100. Its standout signals are construction/permit lag (58/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100).

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 26% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 34% of renters are cost-burdened. There are about 20,363 housing units across 12866. Households earn a median $98,374 — above the roughly $78,000 national figure. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. Roughly 8.6% live below the poverty line. On demographic stress specifically, 12866 scores 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. Home values center near $457,600, an affordability ratio of 4.3×.

Broadly, 12866 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 12866 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 12866 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. 12866 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

12866's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12866 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.