ZIP 12911 Foreclosure, Tax-Lien & Distress Report

In Clinton County, New York, ZIP 12911 scores 18 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The pressure is most legible in construction/permit lag (56/100), structural risk (40/100), institutional ownership (11/100). By contrast, institutional ownership (11/100) register low. Structural exposure scores 40 and live distress 0 on the 0–100 scale.

The market reads expansion — home values rose 5.1% year on year (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 36% of homes, renters 64%. The ZIP holds roughly 33 housing units. About 44 people live here, median age 55. The vacancy rate is 0.0%. Around 0% of renters are cost-burdened. The poverty rate is 27.3% — high, a tax-stress and distress correlate. Around 48% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 47/100.

On the whole, 12911 leans distressed, with opportunity clustered in specific stressed parcels. 12911 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 12911 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 12911, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 figure for 12911 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 12911 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.