ZIP 12446 Property Distress & Foreclosure Data

In Ulster County, New York, ZIP 12446 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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. On the structural side it scores 44/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100).

The market reads expansion — home values rose 7.9% year on year, and 24% higher over three years (phase confidence 50/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $83,344, median income runs near typical U.S. levels. 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. About 5,232 people live here, median age 41. Around 36% of adults hold a bachelor's degree or higher. The typical home is worth about $295,500 (3.3× income, relatively affordable). The demographic-stress sub-score lands at 28/100. The vacancy rate is 21.4% — elevated.

Net-net, 12446 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.