ZIP 12489 Foreclosure, Tax-Lien & Distress Report
Ulster County, New York · High Poverty market
Scored purely from public records, 12489 (Ulster County, New York) returns a low composite of 20/100. On the structural side it scores 44/100, with 0/100 of stress already active. Its heaviest discrete signals: structural risk (44/100), institutional ownership (20/100). institutional ownership (20/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (89/100), 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 (phase confidence 37/100). Topping markets hide individual distress behind strong averages.
At $26,100, median income runs below typical U.S. levels. Around 100% of renters are cost-burdened. On demographic stress specifically, 12489 scores 60/100. The poverty rate is 21.9% — high, a tax-stress and distress correlate. The ZIP holds roughly 46 housing units. About 114 people live here, median age 68. Vacancy runs 11.1%. About 18% have a four-year degree. 65% of housing is owner-occupied.
On the whole, 12489 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12489 at the moment; the composite and its components are still built from verifiable public records.
Whether 12489 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 12489 can be compared directly against any other ZIP in Ulster County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12489 shows blanks, not estimates, wherever the record is sparse.
The 20/100 figure for 12489 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. In workflow terms, 12489 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 12489
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
12489 at a glance
A live read on 12489: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Ulster County ZIPs near 12489
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Open the complete 12489 acquisition file
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Deterministic scoring, sourced entirely from public data · methodology