ZIP 12522 Foreclosure, Tax-Lien & Distress Report
Dutchess County, New York · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 12522 in Dutchess County, New York comes in at 25, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (74/100)). The pressure is most legible in construction/permit lag (61/100), structural risk (56/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). On the structural side it scores 56/100, with 2/100 of stress already active.
The market reads peak — home values rose 2.9% year on year, and 8% higher over three years (phase confidence 38/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 5,074 people live here, median age 39. Home values center near $301,300, an affordability ratio of 3.4× — accessible. DLRadar's demographic-stress index for the area reads 34/100. The vacancy rate is 16.1% — elevated. Around 26% of adults hold a bachelor's degree or higher. Households earn a median $82,636 — near the roughly $78,000 national figure. Owners hold 66% of homes, renters 34%. The ZIP holds roughly 2,244 housing units. Rent burden reaches 52% of tenant households. Roughly 13.5% live below the poverty line.
On the whole, 12522 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 12522 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12522 reflects the current record instead of a stale or modeled snapshot.
Behind 12522'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. Practically, 12522 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 12522
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 12522 Stress Report snapshot
The live 12522 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Get the full acquisition report for 12522
See who owns each distressed property in 12522, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology