ZIP 12438 Foreclosure, Tax-Lien & Distress Report
Delaware County, New York · High Vacancy market
Delaware County, New York's ZIP 12438 registers 27/100 composite distress, which DLRadar reads as low. Structurally it carries 60/100, against 0/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (65/100). Leading the profile are structural risk (60/100), institutional ownership (53/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100).
The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
There are about 70 housing units across 12438. Median household income is $49,000, below the U.S. median near $78,000. Population is roughly 71 with a median age of 47. About 48% have a four-year degree. The vacancy rate is 54.4% — elevated. Owners hold 100% of homes, renters 0%. 29.6% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 32/100.
On the whole, 12438 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.
Because one deterministic model scores every ZIP, 12438's 27/100 can be lined up against any neighbor in Delaware County, New York or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 12438 reflects the current record instead of a stale or modeled snapshot.
12438's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 12438 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12438’s distress
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.
The 12438 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Delaware County ZIP reports
More distress data near 12438
Keep going: ZIP, county and state distress coverage for Delaware County, New York.
See every distressed parcel in 12438
Open 12438 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology