ZIP 12972 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12972 (Clinton County, New York) at a low 18/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (70/100). Structural exposure scores 41 and live distress 1 on the 0–100 scale. What sets it apart are the readings on 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).

The peak-phase market in 12972 posted values that rose 4.9% over the year, and 14% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 5.4%. Around 34% of renters are cost-burdened. Median household income is $120,822, above the U.S. median near $78,000. Educational attainment sits at 33% bachelor's-or-above. There are about 2,957 housing units across 12972. On demographic stress specifically, 12972 scores 20/100. The typical home is worth about $201,700 (1.6× income, relatively affordable). Population is roughly 7,063 with a median age of 42. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. Owners hold 89% of homes, renters 11%.

Broadly, 12972 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 12972 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 12972 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 12972 can be compared directly against any other ZIP in Clinton County, New York or nationwide. Where the public record is thin for 12972, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 12972 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. Treat 12972 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.