ZIP 12582 Foreclosure, Tax-Lien & Distress Report

ZIP code 12582 in Dutchess County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (74/100). The sharpest non-environmental signals are structural risk (53/100), construction/permit lag (49/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Structural risk reads 53/100 against active distress of 2/100.

The market reads peak — home values rose 2.9% year on year, and 19% higher over three years, at 38/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 1,591 housing units across 12582. Households earn a median $131,867 — above the roughly $78,000 national figure. The vacancy rate is 1.8%. Rent burden reaches 8% of tenant households. The typical home is worth about $468,600 (3.4× income, relatively affordable). Roughly 1.9% live below the poverty line, a low share typical of higher-equity areas. 6,157 residents call 12582 home, typically aged 45. Educational attainment sits at 28% bachelor's-or-above. Owners hold 88% of homes, renters 12%. On demographic stress specifically, 12582 scores 21/100.

Overall 12582 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 12582 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 12582 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 12582 stays directly comparable to neighboring ZIPs and the rest of Dutchess County, New York. Sparse data for 12582 shows as blanks, never estimates, and the score updates on every fresh public filing.

12582's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 12582 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.