ZIP 11786 Foreclosure, Tax-Lien & Distress Report

ZIP code 11786 in Suffolk County, New York carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (71/100). The split runs 75/100 structural to 7/100 active on the ground. The sharpest non-environmental signals are structural risk (75/100), construction/permit lag (57/100), institutional ownership (51/100). On the quiet end sit mortgage stress (22/100).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 21% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $161,250 — above the roughly $78,000 national figure. Population is roughly 6,348 with a median age of 41. 2.0% of residents fall below the poverty threshold. Vacancy runs 2.9%. About 44% have a four-year degree. 96% of housing is owner-occupied. Around 25% of renters are cost-burdened. There are about 2,012 housing units across 11786. On demographic stress specifically, 11786 scores 22/100. Home values center near $604,700, an affordability ratio of 3.4× — accessible.

Overall, 11786 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 11786 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 11786 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 11786 can be compared directly against any other ZIP in Suffolk County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 11786 shows blanks, not estimates, wherever the record is sparse.

11786'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. In workflow terms, 11786 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.