ZIP 12531 Foreclosure, Tax-Lien & Distress Report

Dutchess County, New York's ZIP 12531 registers 23/100 composite distress, which DLRadar reads as low. Structural exposure scores 52 and live distress 2 on the 0–100 scale. What sets it apart are the readings on structural risk (52/100), construction/permit lag (50/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (75/100)).

The peak-phase market in 12531 posted values that rose 3.2% over the year, and 31% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Home values center near $475,400, an affordability ratio of 3.4× — accessible. The ZIP holds roughly 1,049 housing units. Owners hold 83% of homes, renters 17%. On demographic stress specifically, 12531 scores 23/100. 2,316 residents call 12531 home, typically aged 51. Rent burden reaches 20% of tenant households. Households earn a median $126,319 — above the roughly $78,000 national figure. Roughly 1.6% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 47% bachelor's-or-above.

Taken together, 12531 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12531 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Dutchess County, New York and the nation. The score is rebuilt from public data as it updates, so 12531 reflects the current record instead of a stale or modeled snapshot.

Each component behind 12531 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. In workflow terms, 12531 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.