ZIP 12528 Foreclosure, Tax-Lien & Distress Report

In Ulster County, New York, ZIP 12528 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 44/100, against 3/100 of stress already in motion. The most distinctive pressure shows up in 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. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (88/100).

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 19% higher over three years, at 37/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 13,818 people live here, median age 43. The typical home is worth about $366,400 (3.8× income, relatively affordable). 70% of housing is owner-occupied. There are about 6,300 housing units across 12528. Rent burden reaches 51% of tenant households. Vacancy runs 8.9%. The demographic-stress sub-score lands at 30/100. 5.3% of residents fall below the poverty threshold. Around 42% of adults hold a bachelor's degree or higher. Households earn a median $89,096 — above the roughly $78,000 national figure.

Broadly, 12528 is a steadier market — the deals are the exceptions, not the rule. 12528 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 12528 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. Where the record is thin for 12528, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 12528 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, 12528 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.