ZIP 12435 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12435 (Ulster County, New York) lands at 20/100 — low on DLRadar's distress scoring. The pressure is most legible in structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (88/100). The split runs 44/100 structural to 3/100 active on the ground.

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 181 with a median age of 52. Around 16% of adults hold a bachelor's degree or higher. 100% of housing is owner-occupied. 4.4% of residents fall below the poverty threshold. On demographic stress specifically, 12435 scores 41/100. At $84,479, median income runs near typical U.S. levels. The vacancy rate is 65.3% — elevated. The ZIP holds roughly 247 housing units. A median home runs $220,000 here, or 3.1 times local income.

Taken together, 12435 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12435 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12435 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 12435 stays directly comparable to neighboring ZIPs and the rest of Ulster County, New York. Every figure is auditable to a public dataset and refreshed as records update; 12435 shows blanks, not estimates, wherever the record is sparse.

12435's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 12435 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.