ZIP 10963 Foreclosure, Tax-Lien & Distress Report

ZIP 10963's composite property-distress score is 29/100 - DLRadar classes that as low for Orange County, New York. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (73/100), FEMA disaster exposure (67/100). The latent-versus-live split is 62/100 structural and 6/100 already moving. The sharpest non-environmental signals are structural risk (62/100), institutional ownership (45/100), construction/permit lag (35/100). On the quiet end sit construction/permit lag (35/100) and mortgage stress (19/100).

Prices here sit in a peak phase: values rose 3.0% over the trailing year, and 34% higher over three years, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $79,265 — near the roughly $78,000 national figure. Rent burden reaches 38% of tenant households. About 17% have a four-year degree. DLRadar's demographic-stress index for the area reads 32/100. The ZIP holds roughly 1,135 housing units. A median home runs $346,800 here, or 4.0 times local income. The poverty rate is 8.2%. 68% of housing is owner-occupied. The vacancy rate is 8.0%. About 3,940 people live here, median age 44.

Overall, 10963 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 10963 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 10963 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Orange County, New York and the nation. The score is rebuilt from public data as it updates, so 10963 reflects the current record instead of a stale or modeled snapshot.

Each component behind 10963 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For a buyer, 10963 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.