ZIP 12912 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12912 (Clinton County, New York) at a low 19/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). Latent structural risk is 43/100 while live distress already moving reads 2/100. Its heaviest discrete signals: construction/permit lag (64/100), structural risk (43/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (8/100) stay muted.

The market reads expansion — home values rose 5.1% year on year (phase confidence 37/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $70,469, near the U.S. median near $78,000. Around 37% of renters are cost-burdened. On demographic stress specifically, 12912 scores 26/100. About 30% have a four-year degree. The poverty rate is 5.8% — low. 1,860 residents call 12912 home, typically aged 51. A median home runs $189,200 here, or 2.7 times local income. The vacancy rate is 25.0% — elevated. 87% of housing is owner-occupied. There are about 1,002 housing units across 12912.

On the whole, 12912 leans distressed, with opportunity clustered in specific stressed parcels. While 12912 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12912 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12912 can be compared directly against any other ZIP in Clinton County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12912, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12912 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. For a buyer, 12912 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.