ZIP 10974 Foreclosure, Tax-Lien & Distress Report

ZIP code 10974 in Rockland County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (43/100), institutional ownership (19/100), mortgage stress (8/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100). Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (84/100). The latent-versus-live split is 43/100 structural and 2/100 already moving.

The peak-phase market in 10974 posted values that rose 4.9% over the year, and 30% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 43% of adults hold a bachelor's degree or higher. The vacancy rate is 4.5%. The demographic-stress sub-score lands at 26/100. Population is roughly 3,324 with a median age of 44. At $112,404, median income runs above typical U.S. levels. The typical home is worth about $433,300 (3.8× income, relatively affordable). Rent burden reaches 31% of tenant households. The tenure split is 83% owner-occupied to 17% rented. 4.4% of residents fall below the poverty threshold. There are about 1,289 housing units across 10974.

Broadly, 10974 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 10974 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 10974 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 10974 can be compared directly against any other ZIP in Rockland County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 10974 shows blanks, not estimates, wherever the record is sparse.

10974's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 10974 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.