ZIP 12440 Foreclosure, Tax-Lien & Distress Report

ZIP code 12440 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). The latent-versus-live split is 44/100 structural and 3/100 already moving.

The market reads expansion — home values rose 7.9% year on year, and 21% higher over three years (phase confidence 50/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $102,958, median income runs above typical U.S. levels. The vacancy rate is 22.0% — elevated. The poverty rate is 11.8%. About 1,577 people live here, median age 52. Around 58% of adults hold a bachelor's degree or higher. The typical home is worth about $346,200 (3.8× income, relatively affordable). Around 49% of renters are cost-burdened. The demographic-stress sub-score lands at 29/100. 84% of housing is owner-occupied. The ZIP holds roughly 798 housing units.

Net-net, 12440 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.