ZIP 12884 Property Distress & Foreclosure Data

DLRadar grades ZIP 12884 (Saratoga County, New York) at a low 24/100 for overall property distress. 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. 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.

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

The vacancy rate is 10.5%. The typical home is worth about $148,200 (3.5× income, relatively affordable). The poverty rate is 17.5% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 33/100. Around 28% of renters are cost-burdened. Around 12% of adults hold a bachelor's degree or higher. At $46,071, median income runs below typical U.S. levels. The ZIP holds roughly 236 housing units. About 567 people live here, median age 34. 59% of housing is owner-occupied.

Net-net, 12884 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.