ZIP 12431 Foreclosure, Tax-Lien & Distress Report
Greene County, New York · High Vacancy market
ZIP code 12431 in Greene County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Leading the profile are structural risk (45/100), construction/permit lag (41/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (9/100). Climate and flood risk are elevated too — flood (NFIP) exposure (76/100), climate & FEMA risk (68/100). The split runs 45/100 structural to 3/100 active on the ground.
Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
87% of housing is owner-occupied. There are about 919 housing units across 12431. On demographic stress specifically, 12431 scores 26/100. Around 34% of renters are cost-burdened. About 30% have a four-year degree. A median home runs $262,500 here, or 2.9 times local income. Households earn a median $88,750 — above the roughly $78,000 national figure. The vacancy rate is 27.6% — elevated. 2.5% of residents fall below the poverty threshold. Population is roughly 1,705 with a median age of 47.
On the whole, 12431 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 12431 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. Sparse data for 12431 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 20/100 for 12431 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 12431 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 12431
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 12431 by the numbers
Current distress, phase, housing and lender-pressure figures for 12431, drawn from the same report attached to each property.
Neighbouring ZIPs in Greene County
Nearest ZIP codes to 12431
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Related ZIP, county and statewide reads linked to Greene County, New York.
Open the complete 12431 acquisition file
Open 12431 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology