ZIP 12409 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12409 (Ulster County, New York) returns a low composite of 20/100. Structural exposure scores 44 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). Its standout signals 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.

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, at 37/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 29.3%, above the national norm and a classic distress-and-opportunity signal. Around 67% of adults hold a bachelor's degree or higher. There are about 680 housing units across 12409. The demographic-stress sub-score lands at 31/100. The typical home is worth about $708,900 (5.8× income). 6.8% of residents fall below the poverty threshold. Population is roughly 877 with a median age of 62. Around 32% of renters are cost-burdened. 85% of housing is owner-occupied. At $114,758, median income runs above typical U.S. levels.

Net-net, 12409 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12409 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 12409 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Ulster County, New York and the nation. 12409 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 for 12409 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 12409 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.