ZIP 12901 Foreclosure, Tax-Lien & Distress Report

ZIP code 12901 in Clinton County, New York carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. The pressure is most legible in construction/permit lag (65/100), structural risk (41/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low. On the structural side it scores 41/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (70/100).

The peak-phase market in 12901 posted values that rose 4.9% over the year, and 28% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

18.4% of residents fall below the poverty threshold. Around 40% of renters are cost-burdened. At $59,413, median income runs below typical U.S. levels. The typical home is worth about $189,400 (3.1× income, relatively affordable). Owners hold 54% of homes, renters 46%. There are about 15,534 housing units across 12901. On demographic stress specifically, 12901 scores 31/100. The vacancy rate is 7.4%. About 33% have a four-year degree. About 32,012 people live here, median age 37.

Net-net, 12901 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 12901 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12901 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12901 can be compared directly against any other ZIP in Clinton County, New York or nationwide. Sparse data for 12901 shows as blanks, never estimates, and the score updates on every fresh public filing.

12901'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, 12901 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.