ZIP 12401 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12401 in Ulster County, New York comes in at 20, a low composite-distress reading. The split runs 44/100 structural to 3/100 active on the ground. Its standout signals are structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). institutional ownership (20/100) and mortgage stress (10/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (88/100).

The peak-phase market in 12401 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 29% higher over three years (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

35,058 residents call 12401 home, typically aged 40. Home values center near $319,700, an affordability ratio of 4.2×. The tenure split is 57% owner-occupied to 43% rented. Around 32% of adults hold a bachelor's degree or higher. The poverty rate is 17.2% — high, a tax-stress and distress correlate. There are about 17,241 housing units across 12401. Median household income is $67,426, below the U.S. median near $78,000. Rent burden reaches 47% of tenant households. The vacancy rate is 10.4%. On demographic stress specifically, 12401 scores 36/100.

On balance 12401 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 12401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 12401's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 12401 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 12401 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12401 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.