ZIP 12474 Foreclosure, Tax-Lien & Distress Report
Delaware County, New York · High Vacancy market
Scored purely from public records, 12474 (Delaware County, New York) returns a low composite of 28/100. Structural risk reads 62/100 against active distress of 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (80/100), flood (NFIP) exposure (78/100). Its standout signals are structural risk (62/100), institutional ownership (55/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (27/100) register low.
Prices here sit in a expansion phase: values rose 6.0% over the trailing year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 891 people live here, median age 60. There are about 1,032 housing units across 12474. Vacancy runs 55.7%, above the national norm and a classic distress-and-opportunity signal. Around 100% of renters are cost-burdened. A median home runs $265,300 here, or 3.9 times local income. On demographic stress specifically, 12474 scores 41/100. Owners hold 93% of homes, renters 7%. Households earn a median $54,462 — below the roughly $78,000 national figure. 8.1% of residents fall below the poverty threshold. Educational attainment sits at 32% bachelor's-or-above.
Taken together, 12474 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12474 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 12474 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 12474 stays directly comparable to neighboring ZIPs and the rest of Delaware County, New York. Where the public record is thin for 12474, the field stays empty rather than modeled, and fills in as new documents post.
The 28/100 figure for 12474 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 12474 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 12474
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 12474 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12474, the same set carried on every parcel.
Adjacent Delaware County ZIP reports
Keep exploring New York distress
Further distress data across Delaware County, New York at ZIP, county and state level.
Unlock parcel-level detail for ZIP 12474
Every distressed parcel in 12474 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology