ZIP 12404 Property Distress & Foreclosure Data

ZIP code 12404 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). The latent-versus-live split is 44/100 structural and 3/100 already moving.

The market reads expansion — home values rose 7.9% year on year, and 14% higher over three years (phase confidence 50/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $67,297, median income runs below typical U.S. levels. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Around 72% of renters are cost-burdened. Around 48% of adults hold a bachelor's degree or higher. The vacancy rate is 32.6% — elevated. The typical home is worth about $415,700 (5.5× income). The demographic-stress sub-score lands at 41/100. 81% of housing is owner-occupied. About 4,046 people live here, median age 47. The ZIP holds roughly 2,454 housing units.

Net-net, 12404 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.