ZIP 12481 Property Distress & Foreclosure Data

ZIP code 12481 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). What sets it apart are the readings on structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). institutional ownership (20/100) and mortgage stress (10/100) stay muted. Structural exposure scores 44 and live distress 3 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 7.9% over the trailing year, and 25% higher over three years, at 50/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $303,900 here, or 2.5 times local income. On demographic stress specifically, 12481 scores 22/100. The tenure split is 92% owner-occupied to 8% rented. Households earn a median $93,578 — above the roughly $78,000 national figure. 1,359 residents call 12481 home, typically aged 51. Vacancy runs 0.0%. There are about 580 housing units across 12481. Rent burden reaches 21% of tenant households. Roughly 12.7% live below the poverty line. About 27% have a four-year degree.

On balance, 12481 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.