ZIP 12884 Foreclosure, Tax-Lien & Distress Report
Saratoga County, New York · Affordable market
DLRadar grades ZIP 12884 (Saratoga County, New York) at a low 23/100 for overall property distress. Property-level stress concentrates in construction/permit lag (65/100), structural risk (52/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (63/100). The split runs 52/100 structural to 2/100 active on the ground.
The market reads expansion — home values rose 6.6% year on year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The vacancy rate is 10.5%. Home values center near $148,200, an affordability ratio of 3.5× — accessible. Roughly 17.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 12884 scores 33/100. Rent burden reaches 28% of tenant households. Around 12% of adults hold a bachelor's degree or higher. Median household income is $46,071, below the U.S. median near $78,000. The ZIP holds roughly 236 housing units. Population is roughly 567 with a median age of 34. 59% of housing is owner-occupied.
On balance 12884 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 12884 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 12884's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 12884, the field stays empty rather than modeled, and fills in as new documents post.
12884's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 12884 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 12884
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 12884 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 12884, drawn from the same report attached to each property.
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Keep exploring New York distress
Other reports tied to Saratoga County, New York — ZIP, county and statewide.
The complete 12884 distress and acquisition report
Pull every distressed parcel in 12884 — 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