ZIP 12962 Foreclosure, Tax-Lien & Distress Report
Clinton County, New York · Affordable market
Scored purely from public records, 12962 (Clinton County, New York) returns a low composite of 18/100. Structural risk reads 41/100 against active distress of 1/100. Climate and flood risk are elevated too — climate & FEMA risk (70/100). Property-level stress concentrates in construction/permit lag (65/100), structural risk (41/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low.
The market reads peak — home values rose 4.9% year on year, and 22% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 5,131 people live here, median age 46. The vacancy rate is 4.9%. The poverty rate is 10.3%. Educational attainment sits at 24% bachelor's-or-above. The typical home is worth about $189,000 (2.5× income, relatively affordable). Median household income is $67,511, below the U.S. median near $78,000. The ZIP holds roughly 2,520 housing units. The demographic-stress sub-score lands at 25/100. Owners hold 85% of homes, renters 15%. Around 40% of renters are cost-burdened.
On balance 12962 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 12962 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 12962's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 12962, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 figure for 12962 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 12962 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 12962 distress signals, scored
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 12962 Stress Report snapshot
The live 12962 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Clinton County ZIP codes
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Deterministic. Every signal traces to a public dataset · methodology