ZIP 12477 Foreclosure, Tax-Lien & Distress Report

In Ulster County, New York, ZIP 12477 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. 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). Structural risk reads 44/100 against active distress of 3/100. Environmental exposure also runs high (flood (NFIP) exposure (89/100), climate & FEMA risk (88/100)).

The peak-phase market in 12477 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 23% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

Households earn a median $72,353 — near the roughly $78,000 national figure. Home values center near $331,500, an affordability ratio of 4.0×. The ZIP holds roughly 9,697 housing units. Around 44% of renters are cost-burdened. The tenure split is 67% owner-occupied to 33% rented. About 34% have a four-year degree. Roughly 7.9% live below the poverty line. Population is roughly 18,789 with a median age of 47. On demographic stress specifically, 12477 scores 32/100. Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 12477 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12477 at the moment; the composite and its components are still built from verifiable public records.

The 12477 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 12477 stays directly comparable to neighboring ZIPs and the rest of Ulster County, New York. Nothing here is interpolated — where a source is thin for 12477, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12477's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 12477 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.