ZIP 12548 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12548 (Ulster County, New York) at a low 20/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (88/100)). The sharpest non-environmental signals are structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (10/100). On the structural side it scores 44/100, with 3/100 of stress already active.

The market reads peak — home values rose 2.3% year on year, 3.5% off the recent peak, and 42% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 5.9%. Home values center near $428,800, an affordability ratio of 2.9× — accessible. The tenure split is 81% owner-occupied to 19% rented. About 45% have a four-year degree. The demographic-stress sub-score lands at 29/100. Around 60% of renters are cost-burdened. Population is roughly 1,039 with a median age of 46. There are about 336 housing units across 12548. Households earn a median $114,191 — above the roughly $78,000 national figure. 7.2% of residents fall below the poverty threshold.

Broadly, 12548 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 12548 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12548 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 12548 stays directly comparable to neighboring ZIPs and the rest of Ulster County, New York. Where the record is thin for 12548, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12548'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. For a buyer, 12548 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.