ZIP 12885 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12885 in Warren County, New York comes in at 13, a minimal composite-distress reading. Latent structural risk is 28/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). Its standout signals are construction/permit lag (32/100), structural risk (28/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The expansion-phase market in 12885 posted values that rose 9.1% over the year, and 36% higher over three years (phase confidence 56/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 79% owner-occupied to 21% rented. The vacancy rate is 20.5% — elevated. 4,531 residents call 12885 home, typically aged 49. Households earn a median $65,454 — below the roughly $78,000 national figure. Home values center near $169,800, an affordability ratio of 2.3× — accessible. The poverty rate is 12.5%. The ZIP holds roughly 2,739 housing units. Around 33% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100.

On the whole, 12885 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 12885's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 12885 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 12885's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 12885 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.