ZIP 12501 Foreclosure, Tax-Lien & Distress Report

ZIP 12501's composite property-distress score is 24/100 - DLRadar classes that as low for Dutchess County, New York. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (74/100). On the structural side it scores 53/100, with 2/100 of stress already active. Its heaviest discrete signals: structural risk (53/100), construction/permit lag (49/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The peak-phase market in 12501 posted values that rose 2.9% over the year, and 42% higher over three years, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 32/100. The poverty rate is 7.9%. There are about 1,115 housing units across 12501. Around 49% of renters are cost-burdened. Educational attainment sits at 38% bachelor's-or-above. Owners hold 57% of homes, renters 43%. Households earn a median $78,716 — near the roughly $78,000 national figure. A median home runs $358,300 here, or 3.9 times local income. About 2,374 people live here, median age 44. Vacancy runs 5.7%.

Overall 12501 looks resilient on the surface, so the edge is isolating individual stressed parcels. 12501 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 12501 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Dutchess County, New York and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 12501 shows blanks, not estimates, wherever the record is sparse.

The 24/100 figure for 12501 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, 12501 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.