ZIP 10986 Foreclosure, Tax-Lien & Distress Report

ZIP code 10986 in Rockland County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (84/100). Leading the profile are structural risk (43/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100). On the structural side it scores 43/100, with 0/100 of stress already active.

The market reads peak — home values rose 4.9% year on year, and 33% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $613,300 here. Owners hold 86% of homes, renters 14%. Around 16% of renters are cost-burdened. There are about 713 housing units across 10986. DLRadar's demographic-stress index for the area reads 17/100. About 1,402 people live here, median age 50. Around 43% of adults hold a bachelor's degree or higher. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 4.7%.

On balance, 10986 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 10986 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 10986 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 10986, the field stays empty rather than modeled, and fills in as new documents post.

Behind 10986's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 10986 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.