ZIP 12440 Foreclosure, Tax-Lien & Distress Report
Ulster County, New York · High Vacancy market
Scored on a fixed 0-100 scale, 12440 (Ulster County, New York) returns a low composite of 20/100. 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 (90/100), climate & FEMA risk (88/100)). Latent structural risk is 44/100 while live distress already moving reads 3/100.
The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 21% higher over three years, at 37/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Median household income is $102,958, above the U.S. median near $78,000. The vacancy rate is 22.0% — elevated. Roughly 11.8% live below the poverty line. 1,577 residents call 12440 home, typically aged 52. Educational attainment sits at 58% bachelor's-or-above. The typical home is worth about $346,200 (3.8× income, relatively affordable). Around 49% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 29/100. Owners hold 84% of homes, renters 16%. The ZIP holds roughly 798 housing units.
Net-net, 12440 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12440 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 12440 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 12440 shows as blanks, never estimates, and the score updates on every fresh public filing.
12440'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. The point of the 12440 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 12440 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 12440 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 12440, drawn from the same report attached to each property.
Nearby ZIPs in Ulster County
Nearest ZIP codes to 12440
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Additional distress intelligence spanning Ulster County, New York by ZIP, county and state.
Unlock the full ZIP 12440 acquisition report
Open 12440 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology