ZIP 12446 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12446 in Ulster County, New York comes in at 20, a low composite-distress reading. Its standout signals are 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). Latent structural risk is 44/100 while live distress already moving reads 3/100. Environmental exposure also runs high (flood (NFIP) exposure (89/100), climate & FEMA risk (88/100)).

The peak-phase market in 12446 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 24% higher over three years, at 37/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $83,344 — near the roughly $78,000 national figure. The poverty rate is 9.8%. Around 37% of renters are cost-burdened. The ZIP holds roughly 3,013 housing units. 81% of housing is owner-occupied. 5,232 residents call 12446 home, typically aged 41. Educational attainment sits at 36% bachelor's-or-above. The typical home is worth about $295,500 (3.3× income, relatively affordable). DLRadar's demographic-stress index for the area reads 28/100. Vacancy runs 21.4%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 12446 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.

Whether 12446 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12446 can be compared directly against any other ZIP in Ulster County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12446, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 for 12446 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 12446 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.