ZIP 12487 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12487 (Ulster County, New York) lands at 20/100 — low on DLRadar's distress scoring. The split runs 44/100 structural to 3/100 active on the ground. 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). Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (88/100)).

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. Topping markets hide individual distress behind strong averages.

Home values center near $279,400, an affordability ratio of 2.9× — accessible. Median household income is $92,847, above the U.S. median near $78,000. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,802 housing units. 3,829 residents call 12487 home, typically aged 49. Educational attainment sits at 35% bachelor's-or-above. Owners hold 77% of homes, renters 23%. 12.4% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 29/100. Rent burden reaches 50% of tenant households.

On balance, 12487 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 12487 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12487 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 12487 stays directly comparable to neighboring ZIPs and the rest of Ulster County, New York. The score is rebuilt from public data as it updates, so 12487 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12487 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 12487 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.