ZIP 12432 Foreclosure, Tax-Lien & Distress Report

ZIP 12432's composite property-distress score is 20/100 - DLRadar classes that as low for Ulster County, New York. Structurally it carries 44/100, against 3/100 of stress already in motion. Its heaviest discrete signals: structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (10/100). Environmental exposure also runs high (flood (NFIP) exposure (89/100), climate & FEMA risk (88/100)).

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.

Population is roughly 654 with a median age of 50. There are about 313 housing units across 12432. Rent burden reaches 82% of tenant households. The tenure split is 32% owner-occupied to 68% rented. About 14% have a four-year degree. Households earn a median $45,591 — below the roughly $78,000 national figure. A median home runs $345,100 here, or 7.1 times local income. Roughly 37.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 0.0%. On demographic stress specifically, 12432 scores 57/100.

Net-net, 12432 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 12432 at the moment; the composite and its components are still built from verifiable public records.

Whether 12432 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12432 can be compared directly against any other ZIP in Ulster County, New York or nationwide. Where the public record is thin for 12432, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 12432 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 12432 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.