ZIP 12428 Foreclosure, Tax-Lien & Distress Report

Ulster County, New York's ZIP 12428 registers 20/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). institutional ownership (20/100) and mortgage stress (10/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (88/100)). On the structural side it scores 44/100, with 3/100 of stress already active.

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 14% higher over three years, at 37/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 20.5% — high, a tax-stress and distress correlate. About 6,972 people live here, median age 44. Households earn a median $78,802 — near the roughly $78,000 national figure. Educational attainment sits at 26% bachelor's-or-above. The typical home is worth about $238,400 (2.5× income, relatively affordable). The ZIP holds roughly 3,727 housing units. Rent burden reaches 69% of tenant households. Vacancy runs 25.9%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 36/100. Owners hold 62% of homes, renters 38%.

Net-net, 12428 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12428 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 12428 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. Where the record is thin for 12428, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12428's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 12428 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.