ZIP 12491 Foreclosure, Tax-Lien & Distress Report
Ulster County, New York · High Vacancy market
DLRadar grades ZIP 12491 (Ulster County, New York) at a low 20/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). On the structural side it scores 44/100, with 3/100 of stress already active. What sets it apart are the readings on 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 peak-phase market in 12491 posted values that rose 2.3% over the year, 3.5% off the recent peak, and 21% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.
The tenure split is 97% owner-occupied to 3% rented. The ZIP holds roughly 958 housing units. The poverty rate is 15.2%. Around 73% of renters are cost-burdened. The vacancy rate is 13.1% — elevated. Educational attainment sits at 51% bachelor's-or-above. At $71,963, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 35/100. A median home runs $381,800 here, or 4.6 times local income. About 2,017 people live here, median age 39.
Net-net, 12491 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 12491'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 12491, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
12491's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 12491 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 12491’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 12491 distress snapshot
A live read on 12491: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Nearby ZIPs in Ulster County
More distress data near 12491
Other reports tied to Ulster County, New York — ZIP, county and statewide.
See every distressed parcel in 12491
Open 12491 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology