ZIP 12484 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12484 (Ulster County, New York) at a low 20/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (89/100), climate & FEMA risk (88/100)). The latent-versus-live split is 44/100 structural and 3/100 already moving. Its heaviest discrete signals: structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 31% higher over three years, at 37/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $116,023, above the U.S. median near $78,000. Around 63% of adults hold a bachelor's degree or higher. Rent burden reaches 100% of tenant households. Population is roughly 3,271 with a median age of 45. 11.3% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 34/100. The ZIP holds roughly 1,511 housing units. 92% of housing is owner-occupied. A median home runs $467,200 here, or 3.8 times local income. Vacancy runs 7.3%.

Overall 12484 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 12484 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 12484 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 12484 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 12484 reflects the current record instead of a stale or modeled snapshot.

Behind 12484'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, 12484 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.