ZIP 12985 Foreclosure, Tax-Lien & Distress Report

Clinton County, New York's ZIP 12985 registers 18/100 composite distress, which DLRadar reads as low. Leading the profile are 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. Climate and flood risk are elevated too — climate & FEMA risk (70/100). Structural exposure scores 41 and live distress 1 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 428 housing units across 12985. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 12985 scores 37/100. Owners hold 85% of homes, renters 15%. About 17% have a four-year degree. Population is roughly 775 with a median age of 51. Around 100% of renters are cost-burdened. A median home runs $157,900 here, or 2.1 times local income. At $74,432, median income runs near typical U.S. levels. The vacancy rate is 13.8% — elevated.

Taken together, 12985 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12985 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12985 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 12985 stays directly comparable to neighboring ZIPs and the rest of Clinton County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 12985 shows blanks, not estimates, wherever the record is sparse.

12985's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 12985 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.