ZIP 12078 Foreclosure, Tax-Lien & Distress Report

In Fulton County, New York, ZIP 12078 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Latent structural risk is 52/100 while live distress already moving reads 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100). Property-level stress concentrates in construction/permit lag (95/100), structural risk (52/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (9/100).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 20% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $136,100 here, or 2.2 times local income. DLRadar's demographic-stress index for the area reads 30/100. About 23,087 people live here, median age 39. Around 34% of renters are cost-burdened. The tenure split is 61% owner-occupied to 39% rented. The ZIP holds roughly 11,750 housing units. Educational attainment sits at 18% bachelor's-or-above. Households earn a median $54,565 — below the roughly $78,000 national figure. The vacancy rate is 15.6% — elevated. The poverty rate is 19.7% — high, a tax-stress and distress correlate.

Net-net, 12078 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 12078 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 12078's 22/100 can be lined up against any neighbor in Fulton County, New York or any ZIP coast to coast. Sparse data for 12078 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 12078 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Treat 12078 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.