ZIP 10512 Foreclosure, Tax-Lien & Distress Report

In Putnam County, New York, ZIP 10512 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). The split runs 51/100 structural to 2/100 active on the ground. Its standout signals are construction/permit lag (80/100), structural risk (51/100), 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 20% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 7.1%. Educational attainment sits at 42% bachelor's-or-above. Rent burden reaches 52% of tenant households. The demographic-stress sub-score lands at 28/100. 6.3% of residents fall below the poverty threshold. The typical home is worth about $410,500 (3.2× income, relatively affordable). The ZIP holds roughly 9,806 housing units. The tenure split is 83% owner-occupied to 17% rented. Median household income is $124,519, above the U.S. median near $78,000. 24,238 residents call 10512 home, typically aged 44.

Overall 10512 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 10512 at the moment; the composite and its components are still built from verifiable public records.

Whether 10512 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 10512 can be compared directly against any other ZIP in Putnam County, New York or nationwide. The score is rebuilt from public data as it updates, so 10512 reflects the current record instead of a stale or modeled snapshot.

Each component behind 10512 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. For a buyer, 10512 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.