ZIP 12455 Property Distress & Foreclosure Data

In Delaware County, New York, ZIP 12455 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (81/100), flood (NFIP) exposure (79/100), FEMA disaster exposure (69/100). The latent-versus-live split is 60/100 structural and 8/100 already moving. Its standout signals are structural risk (60/100), institutional ownership (55/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) and construction/permit lag (23/100) register low.

The market reads expansion — home values rose 6.6% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $74,271, median income runs near typical U.S. levels. The poverty rate is 9.5%. 76% of housing is owner-occupied. Around 60% of renters are cost-burdened. The typical home is worth about $255,100 (3.0× income, relatively affordable). The ZIP holds roughly 1,647 housing units. The vacancy rate is 47.3% — elevated. The demographic-stress sub-score lands at 34/100. Around 27% of adults hold a bachelor's degree or higher. About 1,859 people live here, median age 57.

Net-net, 12455 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.