ZIP 12921 Foreclosure, Tax-Lien & Distress Report
Clinton County, New York · High Vacancy market
ZIP 12921's composite property-distress score is 18/100 - DLRadar classes that as low for Clinton County, New York. Its heaviest discrete signals: construction/permit lag (65/100), structural risk (41/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100). Climate and flood risk are elevated too — climate & FEMA risk (70/100). The split runs 41/100 structural to 1/100 active on the ground.
The market reads peak — home values rose 4.9% year on year, and 5% lower over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The demographic-stress sub-score lands at 27/100. The poverty rate is 12.5%. Educational attainment sits at 31% bachelor's-or-above. There are about 1,106 housing units across 12921. Households earn a median $100,500 — above the roughly $78,000 national figure. Population is roughly 2,771 with a median age of 36. The vacancy rate is 24.6% — elevated. Owners hold 85% of homes, renters 15%. Rent burden reaches 47% of tenant households. A median home runs $215,100 here, or 1.9 times local income.
Net-net, 12921 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12921 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 12921 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 12921 stays directly comparable to neighboring ZIPs and the rest of Clinton County, New York. The score is rebuilt from public data as it updates, so 12921 reflects the current record instead of a stale or modeled snapshot.
The 18/100 for 12921 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12921 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12921’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 12921 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 12921, drawn from the same report attached to each property.
Nearby ZIPs in Clinton County
Keep exploring New York distress
Further distress data across Clinton County, New York at ZIP, county and state level.
Get the full acquisition report for 12921
See who owns each distressed property in 12921, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology