ZIP 12586 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 12586 in Orange County, New York comes in at 27, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (75/100). What sets it apart are the readings on structural risk (60/100), institutional ownership (45/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (19/100) register low. Latent structural risk is 60/100 while live distress already moving reads 6/100.

The peak-phase market in 12586 posted values that rose 2.9% over the year, and 30% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

12,874 residents call 12586 home, typically aged 37. Around 52% of renters are cost-burdened. 70% of housing is owner-occupied. Vacancy runs 7.3%. Home values center near $348,400, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 4,643 housing units. The demographic-stress sub-score lands at 33/100. Roughly 13.0% live below the poverty line. At $94,107, median income runs above typical U.S. levels. Around 27% of adults hold a bachelor's degree or higher.

Overall, 12586 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 12586 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 12586 runs through one identical scoring model, so its 27/100 sits on the same scale as every other ZIP in Orange County, New York and the nation. Nothing here is interpolated — where a source is thin for 12586, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12586's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 12586 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.