ZIP 12981 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12981 (Clinton County, New York) returns a low composite of 19/100. It additionally carries heavy environmental risk: climate & FEMA risk (69/100). Latent structural risk is 42/100 while live distress already moving reads 2/100. What sets it apart are the readings on construction/permit lag (65/100), structural risk (42/100), 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 public-record model, so its 19/100 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 19/100 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.