ZIP 12577 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12577 (Orange County, New York) lands at 27/100 — low on DLRadar's distress scoring. The split runs 60/100 structural to 6/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (75/100). Property-level stress concentrates in structural risk (60/100), institutional ownership (45/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (19/100).

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 24% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $469,800 (3.1× income, relatively affordable). Owners hold 87% of homes, renters 13%. The ZIP holds roughly 824 housing units. Median household income is $150,321, above the U.S. median near $78,000. About 46% have a four-year degree. DLRadar's demographic-stress index for the area reads 21/100. The vacancy rate is 0.0%. Rent burden reaches 27% of tenant households. 1,613 residents call 12577 home, typically aged 39. 1.7% of residents fall below the poverty threshold.

Overall, 12577 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 12577 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12577 read uses the identical scoring model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 12577 stays directly comparable to neighboring ZIPs and the rest of Orange County, New York. Nothing here is interpolated — where a source is thin for 12577, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12577'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 an operator, 12577 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.