ZIP 12520 Foreclosure, Tax-Lien & Distress Report
Orange County, New York · Distress market
DLRadar grades ZIP 12520 (Orange County, New York) at a low 29/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100)). What sets it apart are the readings on structural risk (64/100), institutional ownership (47/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (19/100) register low. Structurally it carries 64/100, against 6/100 of stress already in motion.
The peak-phase market in 12520 posted values that rose 2.9% over the year, and 23% higher over three years (phase confidence 38/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The ZIP holds roughly 1,369 housing units. Households earn a median $150,144 — above the roughly $78,000 national figure. 75% of housing is owner-occupied. Educational attainment sits at 58% bachelor's-or-above. A median home runs $473,000 here, or 3.1 times local income. Rent burden reaches 12% of tenant households. The vacancy rate is 8.6%. Roughly 2.6% live below the poverty line, a low share typical of higher-equity areas. 3,088 residents call 12520 home, typically aged 45. DLRadar's demographic-stress index for the area reads 20/100.
On balance 12520 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 12520 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 12520 read uses the identical public-record model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 12520 stays directly comparable to neighboring ZIPs and the rest of Orange County, New York. Nothing here is interpolated — where a source is thin for 12520, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 29/100 for 12520 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12520 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 12520 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 12520 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12520, the same set carried on every parcel.
Nearby ZIPs in Orange County
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Deterministic scoring, sourced entirely from public data · methodology