ZIP 12871 Property Distress & Foreclosure Data

Composite property distress in 12871 (Saratoga County, New York) lands at 24/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). On the structural side it scores 55/100, with 2/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 27% higher over three years (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. 3,997 residents call 12871 home, typically aged 42. Households earn a median $83,775 — near the roughly $78,000 national figure. About 34% have a four-year degree. The ZIP holds roughly 1,736 housing units. The tenure split is 73% owner-occupied to 27% rented. Around 34% of renters are cost-burdened. The vacancy rate is 9.1%. On demographic stress specifically, 12871 scores 26/100. A median home runs $263,600 here, or 3.0 times local income.

On balance, 12871 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.