ZIP 12434 Foreclosure, Tax-Lien & Distress Report
Delaware County, New York · High Vacancy market
Scored purely from public records, 12434 (Delaware County, New York) returns a low composite of 28/100. Latent structural risk is 62/100 while live distress already moving reads 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (80/100), flood (NFIP) exposure (78/100). The pressure is most legible in structural risk (62/100), institutional ownership (55/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (27/100).
The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
892 residents call 12434 home, typically aged 40. Owners hold 81% of homes, renters 19%. The ZIP holds roughly 574 housing units. Median household income is $48,558, below the U.S. median near $78,000. Around 15% of adults hold a bachelor's degree or higher. Vacancy runs 26.4%, above the national norm and a classic distress-and-opportunity signal. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 21% of tenant households. A median home runs $196,300 here, or 3.5 times local income. The demographic-stress sub-score lands at 28/100.
Taken together, 12434 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12434 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Big metro or rural, 12434 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Delaware County, New York and the nation. Sparse data for 12434 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 28/100 figure for 12434 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. The point of the 12434 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 12434
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 12434 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12434, the same set carried on every parcel.
Other Delaware County ZIP codes
More distress data near 12434
Other reports tied to Delaware County, New York — ZIP, county and statewide.
Open the complete 12434 acquisition file
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Deterministic scoring, sourced entirely from public data · methodology