ZIP 10990 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 10990 (Orange County, New York) returns a low composite of 29/100. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100). The split runs 64/100 structural to 6/100 active on the ground. The most distinctive pressure shows up in structural risk (64/100), institutional ownership (47/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (19/100) register low.

The market reads peak — home values rose 2.9% year on year, and 21% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 55% of renters are cost-burdened. There are about 8,450 housing units across 10990. Households earn a median $123,199 — above the roughly $78,000 national figure. On demographic stress specifically, 10990 scores 29/100. The poverty rate is 4.7% — low. About 50% have a four-year degree. Owners hold 77% of homes, renters 23%. Vacancy runs 7.4%. 20,370 residents call 10990 home, typically aged 47. Home values center near $501,600, an affordability ratio of 3.8× — accessible.

Net-net, 10990 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 10990 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 10990 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 10990'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. For a buyer, 10990 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.