ZIP 12564 Foreclosure, Tax-Lien & Distress Report

Dutchess County, New York's ZIP 12564 registers 25/100 composite distress, which DLRadar reads as low. Structurally it carries 56/100, against 2/100 of stress already in motion. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (56/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (74/100).

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 20% higher over three years, at 38/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 77% of homes, renters 23%. There are about 3,084 housing units across 12564. The demographic-stress sub-score lands at 29/100. The vacancy rate is 8.7%. Population is roughly 7,910 with a median age of 47. Rent burden reaches 45% of tenant households. Around 40% of adults hold a bachelor's degree or higher. The poverty rate is 4.6% — low. A median home runs $446,800 here, or 3.8 times local income. At $111,683, median income runs above typical U.S. levels.

Overall, 12564 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 12564 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 12564's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12564 reflects the current record instead of a stale or modeled snapshot.

12564'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. For a buyer, 12564 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.