ZIP 12546 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12546 (Dutchess County, New York) lands at 23/100 — low on DLRadar's public-record scoring. Structurally it carries 51/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (71/100). What sets it apart are the readings on structural risk (51/100), construction/permit lag (49/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100).

Prices here sit in a peak phase: values rose 3.3% over the trailing year, and 35% higher over three years (phase confidence 38/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 25.3%, above the national norm and a classic distress-and-opportunity signal. Median household income is $88,603, above the U.S. median near $78,000. There are about 1,523 housing units across 12546. 82% of housing is owner-occupied. Rent burden reaches 30% of tenant households. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $313,300, an affordability ratio of 3.6× — accessible. Around 35% of adults hold a bachelor's degree or higher. Population is roughly 2,710 with a median age of 51. 11.4% of residents fall below the poverty threshold.

Taken together, 12546 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 12546 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 12546 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 12546, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12546's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12546 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.