ZIP 12589 Foreclosure, Tax-Lien & Distress Report

ZIP 12589's composite property-distress score is 20/100 - DLRadar classes that as low for Ulster County, New York. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (87/100). On the structural side it scores 45/100, with 3/100 of stress already active. The sharpest non-environmental signals are structural risk (45/100), institutional ownership (24/100), mortgage stress (11/100). institutional ownership (24/100) and mortgage stress (11/100) stay muted.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, 2.9% off the recent peak, and 21% higher over three years (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Roughly 27.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. DLRadar's demographic-stress index for the area reads 30/100. Median household income is $118,214, above the U.S. median near $78,000. About 23% have a four-year degree. There are about 5,327 housing units across 12589. 19,639 residents call 12589 home, typically aged 40. Rent burden reaches 30% of tenant households. The typical home is worth about $378,000 (2.9× income, relatively affordable). 77% of housing is owner-occupied. Vacancy runs 6.9%.

Taken together, 12589 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 12589 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12589 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 12589 stays directly comparable to neighboring ZIPs and the rest of Ulster County, New York. The score is rebuilt from public data as it updates, so 12589 reflects the current record instead of a stale or modeled snapshot.

12589's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 12589 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.