ZIP 12911 Foreclosure, Tax-Lien & Distress Report
Clinton County, New York · High Poverty market
In Clinton County, New York, ZIP 12911 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The pressure is most legible in construction/permit lag (65/100), structural risk (42/100), institutional ownership (12/100). By contrast, institutional ownership (12/100) register low. Structural exposure scores 42 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 24/100.
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 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 12911, the field stays empty rather than modeled, and fills in as new documents post.
The 19/100 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.
ZIP 12911 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 12911 Stress Report snapshot
12911 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Clinton County ZIP codes
More distress data near 12911
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No modelling: every input is a public record · methodology