ZIP 10541 Property Distress & Foreclosure Data

ZIP code 10541 in Putnam County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (79/100). The latent-versus-live split is 52/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (84/100), structural risk (52/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 21% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $508,500 (3.5× income, relatively affordable). The poverty rate is 3.0% — low. At $133,929, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 29/100. Around 62% of renters are cost-burdened. 87% of housing is owner-occupied. Around 43% of adults hold a bachelor's degree or higher. The ZIP holds roughly 9,600 housing units. About 26,137 people live here, median age 43. The vacancy rate is 6.9%.

Overall 10541 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.