ZIP 10928 Foreclosure, Tax-Lien & Distress Report

Orange County, New York's ZIP 10928 registers 28/100 composite distress, which DLRadar reads as low. The split runs 61/100 structural to 6/100 active on the ground. Its standout signals are structural risk (61/100), institutional ownership (49/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (19/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (75/100).

The market reads peak — home values rose 2.9% year on year, and 5% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 6.8%. Roughly 8.6% live below the poverty line. The ZIP holds roughly 2,416 housing units. Owners hold 59% of homes, renters 41%. The demographic-stress sub-score lands at 32/100. Around 33% of adults hold a bachelor's degree or higher. A median home runs $329,200 here, or 3.2 times local income. At $96,106, median income runs above typical U.S. levels. 5,273 residents call 10928 home, typically aged 42. Rent burden reaches 57% of tenant households.

On balance 10928 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 10928 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 10928 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 10928, the field stays empty rather than modeled, and fills in as new documents post.

10928's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 10928 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.