ZIP 12563 Foreclosure, Tax-Lien & Distress Report
Putnam County, New York · High Poverty market
On DLRadar's 0-100 public-record scale, ZIP 12563 in Putnam County, New York comes in at 21, a low composite-distress reading. Climate and flood risk are elevated too — flood (NFIP) exposure (79/100). The latent-versus-live split is 51/100 structural and 2/100 already moving. The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (51/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).
The peak-phase market in 12563 posted values that rose 4.9% over the year, and 20% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
The ZIP holds roughly 2,225 housing units. About 7,456 people live here, median age 42. Median household income is $102,472, above the U.S. median near $78,000. Around 51% of renters are cost-burdened. Roughly 21.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 29% have a four-year degree. The typical home is worth about $412,300 (3.5× income, relatively affordable). DLRadar's demographic-stress index for the area reads 32/100. Owners hold 84% of homes, renters 16%. The vacancy rate is 3.5%.
On the whole, 12563 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12563 at the moment; the composite and its components are still built from verifiable public records.
The 12563 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 12563 stays directly comparable to neighboring ZIPs and the rest of Putnam County, New York. 12563 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 21/100 figure for 12563 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12563 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
What is driving ZIP 12563’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 12563 distress snapshot
Current distress, phase, housing and lender-pressure figures for 12563, drawn from the same report attached to each property.
Nearby ZIPs in Putnam County
Keep exploring New York distress
Related ZIP, county and statewide reads linked to Putnam County, New York.
Unlock the full ZIP 12563 acquisition report
See who owns each distressed property in 12563, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology