ZIP 12563 Property Distress & Foreclosure Data

In Putnam County, New York, ZIP 12563 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (79/100). On the structural side it scores 55/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (99/100), structural risk (55/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 20% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 2,225 housing units. About 7,456 people live here, median age 42. At $102,472, median income runs above typical U.S. levels. Around 51% of renters are cost-burdened. The poverty rate is 21.2% — high, a tax-stress and distress correlate. Around 29% of adults hold a bachelor's degree or higher. The typical home is worth about $412,300 (3.5× income, relatively affordable). The demographic-stress sub-score lands at 32/100. 84% of housing is owner-occupied. The vacancy rate is 3.5%.

Net-net, 12563 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.