ZIP 12903 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12903 in Clinton County, New York comes in at 18, a low composite-distress reading. The pressure is most legible in construction/permit lag (65/100), structural risk (41/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (4/100) stay muted. 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 12903 posted values that rose 4.9% over the year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Median household income is $76,912, near the U.S. median near $78,000. The ZIP holds roughly 1,039 housing units. The vacancy rate is 6.1%. Around 46% of adults hold a bachelor's degree or higher. On demographic stress specifically, 12903 scores 26/100. The typical home is worth about $210,400 (2.5× income, relatively affordable). Rent burden reaches 41% of tenant households. 1,740 residents call 12903 home, typically aged 46. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 54% owner-occupied to 46% rented.

Overall, 12903 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 12903 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12903 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 12903 stays directly comparable to neighboring ZIPs and the rest of Clinton County, New York. 12903 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

12903'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. For a buyer, 12903 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.