ZIP 12515 Foreclosure, Tax-Lien & Distress Report
Ulster County, New York · High Vacancy market
ZIP code 12515 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 44/100 while live distress already moving reads 3/100. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (88/100)). Leading the profile are 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 market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 36% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.
76% of housing is owner-occupied. Educational attainment sits at 30% bachelor's-or-above. Home values center near $339,100. Vacancy runs 19.2%, above the national norm and a classic distress-and-opportunity signal. 1,483 residents call 12515 home, typically aged 54. On demographic stress specifically, 12515 scores 53/100. Rent burden reaches 69% of tenant households. The poverty rate is 4.7% — low. The ZIP holds roughly 656 housing units.
Net-net, 12515 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.
Big metro or rural, 12515 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. Every figure is auditable to a public dataset and refreshed as records update; 12515 shows blanks, not estimates, wherever the record is sparse.
Behind 12515'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. For an operator, 12515 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 12515’s distress
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.
The 12515 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12515, the same set carried on every parcel.
Nearby ZIPs in Ulster County
Nearest ZIP codes to 12515
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12515
Other reports tied to Ulster County, New York — ZIP, county and statewide.
Get the full acquisition report for 12515
Every distressed parcel in 12515 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology