ZIP 12992 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12992 (Clinton County, New York) returns a low composite of 18/100. The pressure is most legible 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. It additionally carries heavy environmental risk: climate & FEMA risk (70/100). Structural exposure scores 41 and live distress 1 on the 0–100 scale.

The market reads peak — home values rose 4.9% year on year, and 8% higher over three years (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 6.4% — low. Educational attainment sits at 19% bachelor's-or-above. Households earn a median $78,214 — near the roughly $78,000 national figure. Rent burden reaches 22% of tenant households. DLRadar's demographic-stress index for the area reads 23/100. The typical home is worth about $161,100 (2.2× income, relatively affordable). 77% of housing is owner-occupied. The ZIP holds roughly 2,045 housing units. The vacancy rate is 7.1%. 4,129 residents call 12992 home, typically aged 44.

On balance, 12992 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 12992 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 12992's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 12992 shows blanks, not estimates, wherever the record is sparse.

The 18/100 figure for 12992 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. For an operator, 12992 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.