ZIP 12481 Foreclosure, Tax-Lien & Distress Report

In Ulster County, New York, ZIP 12481 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). 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). Structural exposure scores 44 and live distress 3 on the 0–100 scale.

The peak-phase market in 12481 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 25% higher over three years (phase confidence 37/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $303,900 here, or 2.5 times local income. On demographic stress specifically, 12481 scores 22/100. 92% of housing is owner-occupied. At $93,578, median income runs above typical U.S. levels. 1,359 residents call 12481 home, typically aged 51. Vacancy runs 0.0%. The ZIP holds roughly 580 housing units. Around 21% of renters are cost-burdened. Roughly 12.7% live below the poverty line. Around 27% of adults hold a bachelor's degree or higher.

Overall 12481 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 12481 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 12481's 20/100 can be lined up against any neighbor in Ulster County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12481, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 12481 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. The point of the 12481 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.