ZIP 12590 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12590 (Dutchess County, New York) returns a low composite of 24/100. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (74/100). On the structural side it scores 53/100, with 2/100 of stress already active. Its heaviest discrete signals: structural risk (53/100), construction/permit lag (49/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low.

The peak-phase market in 12590 posted values that rose 2.9% over the year, and 20% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $98,252, above the U.S. median near $78,000. Rent burden reaches 39% of tenant households. A median home runs $400,300 here, or 3.7 times local income. Vacancy runs 2.3%. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 69% owner-occupied to 31% rented. The demographic-stress sub-score lands at 29/100. Population is roughly 35,823 with a median age of 46. Educational attainment sits at 36% bachelor's-or-above. There are about 14,866 housing units across 12590.

Overall 12590 looks resilient on the surface, so the edge is isolating individual stressed parcels. 12590 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 12590's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 12590 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 12590 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 12590 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.