ZIP 10509 Foreclosure, Tax-Lien & Distress Report
Putnam County, New York · Distress market
In Putnam County, New York, ZIP 10509 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100). Structural risk reads 49/100 against active distress of 2/100. The pressure is most legible in construction/permit lag (76/100), structural risk (49/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.
The market reads peak — home values rose 4.9% year on year, and 19% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $120,987 — above the roughly $78,000 national figure. The vacancy rate is 6.5%. The poverty rate is 7.5%. Population is roughly 20,055 with a median age of 43. About 43% have a four-year degree. The ZIP holds roughly 7,936 housing units. Around 49% of renters are cost-burdened. On demographic stress specifically, 10509 scores 29/100. Home values center near $458,300, an affordability ratio of 3.6× — accessible. The tenure split is 78% owner-occupied to 22% rented.
Overall 10509 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 10509 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 10509 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 10509 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 10509 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. In workflow terms, 10509 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 10509 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 10509 by the numbers
A live read on 10509: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Putnam County
Nearest ZIP codes to 10509
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Keep going: ZIP, county and state distress coverage for Putnam County, New York.
See every distressed parcel in 10509
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