ZIP 10537 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 10537 (Putnam County, New York) lands at 20/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100). Its heaviest discrete signals: structural risk (46/100), construction/permit lag (40/100), institutional ownership (23/100). By contrast, institutional ownership (23/100) and mortgage stress (10/100) register low. The split runs 46/100 structural to 3/100 active on the ground.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 9% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 17.6% — elevated. The tenure split is 83% owner-occupied to 17% rented. At $126,354, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 27/100. A median home runs $410,000 here, or 2.9 times local income. Educational attainment sits at 51% bachelor's-or-above. Population is roughly 2,418 with a median age of 40. The ZIP holds roughly 1,067 housing units. The poverty rate is 5.9% — low. Around 52% of renters are cost-burdened.

Taken together, 10537 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 10537 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 10537 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 10537 stays directly comparable to neighboring ZIPs and the rest of Putnam County, New York. The score is rebuilt from public data as it updates, so 10537 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 10537 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 10537 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.