ZIP 12466 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12466 (Ulster County, New York) returns a low composite of 20/100. Leading the profile 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). Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). Structural risk reads 44/100 against active distress of 3/100.

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 25% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

The tenure split is 89% owner-occupied to 11% rented. A median home runs $278,400 here, or 3.0 times local income. Roughly 10.7% live below the poverty line. Rent burden reaches 63% of tenant households. The vacancy rate is 9.1%. About 34% have a four-year degree. At $91,875, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 30/100. About 1,947 people live here, median age 49. There are about 856 housing units across 12466.

Broadly, 12466 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 12466 at the moment; the composite and its components are still built from verifiable public records.

Whether 12466 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 12466 can be compared directly against any other ZIP in Ulster County, New York or nationwide. The score is rebuilt from public data as it updates, so 12466 reflects the current record instead of a stale or modeled snapshot.

12466's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12466 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.