ZIP 12486 Foreclosure, Tax-Lien & Distress Report

ZIP code 12486 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (88/100). The split runs 44/100 structural to 3/100 active on the ground. The most distinctive pressure shows up in structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). institutional ownership (20/100) and mortgage stress (10/100) stay muted.

Prices here sit in a peak phase: values rose 2.3% over the trailing year, 3.5% off the recent peak, and 15% higher over three years, at 37/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $83,333, near the U.S. median near $78,000. Around 84% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 37/100. The typical home is worth about $320,000 (3.6× income, relatively affordable). There are about 545 housing units across 12486. 73% of housing is owner-occupied. 11.7% of residents fall below the poverty threshold. The vacancy rate is 5.4%. Around 26% of adults hold a bachelor's degree or higher. About 1,737 people live here, median age 55.

Overall 12486 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 12486 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 12486 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Ulster County, New York and the nation. 12486 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 12486'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. Practically, 12486 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.