ZIP 12981 Foreclosure, Tax-Lien & Distress Report
Clinton County, New York · High Vacancy market
Scored on a fixed 0-100 scale, 12981 (Clinton County, New York) returns a low composite of 18/100. It additionally carries heavy environmental risk: climate & FEMA risk (69/100). Latent structural risk is 39/100 while live distress already moving reads 2/100. What sets it apart are the readings on construction/permit lag (56/100), structural risk (39/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (5/100).
The peak-phase market in 12981 posted values that rose 5.0% over the year (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
At $73,258, median income runs near typical U.S. levels. Roughly 20.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 2,233 with a median age of 42. There are about 1,024 housing units across 12981. Rent burden reaches 31% of tenant households. Educational attainment sits at 21% bachelor's-or-above. On demographic stress specifically, 12981 scores 27/100. The vacancy rate is 21.0% — elevated. Owners hold 87% of homes, renters 13%. Home values center near $182,300, an affordability ratio of 1.9× — accessible.
Taken together, 12981 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 12981 runs through one identical scoring model, so its 18/100 sits on the same scale as every other ZIP in Clinton County, New York and the nation. The score is rebuilt from public data as it updates, so 12981 reflects the current record instead of a stale or modeled snapshot.
The 18/100 for 12981 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, 12981 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12981’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 12981 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Neighbouring ZIPs in Clinton County
Nearest ZIP codes to 12981
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
More ZIP, county and state distress intelligence connected to Clinton County, New York.
Unlock the full ZIP 12981 acquisition report
Pull every distressed parcel in 12981 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Built from public records, scored the same way everywhere · methodology