ZIP 12955 Foreclosure, Tax-Lien & Distress Report

Clinton County, New York's ZIP 12955 registers 18/100 composite distress, which DLRadar reads as low. Structural risk reads 41/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (70/100)). Leading the profile are 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).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $164,200 here, or 2.2 times local income. 14.6% of residents fall below the poverty threshold. 494 residents call 12955 home, typically aged 48. Around 23% of adults hold a bachelor's degree or higher. There are about 412 housing units across 12955. Vacancy runs 44.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 14% of tenant households. DLRadar's demographic-stress index for the area reads 25/100. The tenure split is 87% owner-occupied to 13% rented. Median household income is $73,214, near the U.S. median near $78,000.

On the whole, 12955 leans distressed, with opportunity clustered in specific stressed parcels. While 12955 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12955 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12955 can be compared directly against any other ZIP in Clinton County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12955 shows blanks, not estimates, wherever the record is sparse.

The 18/100 for 12955 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 a buyer, 12955 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.