ZIP 12585 Foreclosure, Tax-Lien & Distress Report
Dutchess County, New York · Distress market
Scored purely from public records, 12585 (Dutchess County, New York) returns a low composite of 24/100. Climate and flood risk are elevated too — climate & FEMA risk (89/100), flood (NFIP) exposure (74/100). Structural risk reads 53/100 against active distress of 2/100. What sets it apart are the readings on structural risk (53/100), construction/permit lag (49/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).
The market reads peak — home values rose 2.9% year on year, and 46% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $112,885 — above the roughly $78,000 national figure. About 1,252 people live here, median age 47. On demographic stress specifically, 12585 scores 29/100. Around 33% of renters are cost-burdened. Owners hold 89% of homes, renters 11%. A median home runs $484,800 here, or 4.5 times local income. Around 41% of adults hold a bachelor's degree or higher. Vacancy runs 0.0%. The poverty rate is 11.9%. The ZIP holds roughly 434 housing units.
Overall 12585 looks resilient on the surface, so the edge is isolating individual stressed parcels. 12585 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 12585 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 12585, the field stays empty rather than modeled, and fills in as new documents post.
12585's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 12585 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12585
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 12585 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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Unlock parcel-level detail for ZIP 12585
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Rules-based scoring — each signal ties to a public dataset · methodology