ZIP 12404 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 12404 (Ulster County, New York) returns a low composite of 20/100. Leading the profile are structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (88/100)). The split runs 44/100 structural to 3/100 active on the ground.

The peak-phase market in 12404 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 14% higher over three years, at 37/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $67,297 — below the roughly $78,000 national figure. 16.9% of residents fall below the poverty threshold. Rent burden reaches 72% of tenant households. About 48% have a four-year degree. Vacancy runs 32.6%, above the national norm and a classic distress-and-opportunity signal. Home values center near $415,700, an affordability ratio of 5.5×. On demographic stress specifically, 12404 scores 41/100. 81% of housing is owner-occupied. 4,046 residents call 12404 home, typically aged 47. There are about 2,454 housing units across 12404.

Net-net, 12404 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 12404 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 12404 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 12404, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 12404 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. Treat 12404 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.