ZIP 10509 Foreclosure, Tax-Lien & Distress Report

In Putnam County, New York, ZIP 10509 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (79/100). Structural risk reads 50/100 against active distress of 2/100. The pressure is most legible in construction/permit lag (80/100), structural risk (50/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) 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.