ZIP 12545 Property Distress & Foreclosure Data

In Dutchess County, New York, ZIP 12545 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (55/100), structural risk (55/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. On the structural side it scores 55/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (75/100).

The market reads expansion — home values rose 6.2% year on year, and 37% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 34/100. The vacancy rate is 16.0% — elevated. The poverty rate is 12.8%. Around 41% of adults hold a bachelor's degree or higher. At $77,991, median income runs near typical U.S. levels. About 4,389 people live here, median age 56. Around 29% of renters are cost-burdened. The ZIP holds roughly 2,343 housing units. The typical home is worth about $516,900 (5.3× income). 58% of housing is owner-occupied.

Net-net, 12545 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.