ZIP 12431 Property Distress & Foreclosure Data

ZIP code 12431 in Greene County, New York carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (48/100), structural risk (36/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and institutional ownership (5/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). On the structural side it scores 36/100, with 3/100 of stress already active.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

87% of housing is owner-occupied. The ZIP holds roughly 919 housing units. The demographic-stress sub-score lands at 26/100. Around 34% of renters are cost-burdened. Around 30% of adults hold a bachelor's degree or higher. The typical home is worth about $262,500 (2.9× income, relatively affordable). At $88,750, median income runs above typical U.S. levels. The vacancy rate is 27.6% — elevated. The poverty rate is 2.5% — low. About 1,705 people live here, median age 47.

Net-net, 12431 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.