ZIP 12550 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12550 (Orange County, New York) at a low 29/100 for overall property distress. Its standout signals are structural risk (64/100), institutional ownership (47/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (19/100). The latent-versus-live split is 64/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100).

The market reads peak — home values rose 2.9% year on year, and 23% higher over three years, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $78,019, near the U.S. median near $78,000. 17.2% of residents fall below the poverty threshold. Home values center near $340,900, an affordability ratio of 3.8× — accessible. Around 47% of renters are cost-burdened. Educational attainment sits at 26% bachelor's-or-above. 54,996 residents call 12550 home, typically aged 38. There are about 22,360 housing units across 12550. On demographic stress specifically, 12550 scores 36/100. The vacancy rate is 9.4%. The tenure split is 56% owner-occupied to 44% rented.

Net-net, 12550 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 12550 read uses the identical public-record model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 12550 stays directly comparable to neighboring ZIPs and the rest of Orange County, New York. Nothing here is interpolated — where a source is thin for 12550, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12550'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. Treat 12550 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.