ZIP 12409 Foreclosure, Tax-Lien & Distress Report

ZIP code 12409 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 44 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). What sets it apart are the readings on structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). institutional ownership (20/100) and mortgage stress (10/100) stay muted.

Prices here sit in a expansion phase: values rose 7.9% over the trailing year, at 50/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 29.3%, above the national norm and a classic distress-and-opportunity signal. About 67% have a four-year degree. There are about 680 housing units across 12409. On demographic stress specifically, 12409 scores 31/100. A median home runs $708,900 here, or 5.8 times local income. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. 877 residents call 12409 home, typically aged 62. Rent burden reaches 32% of tenant households. The tenure split is 85% owner-occupied to 15% rented. Households earn a median $114,758 — above the roughly $78,000 national figure.

Taken together, 12409 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.