ZIP 12725 Property Distress & Foreclosure Data

In Ulster County, New York, ZIP 12725 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (40/100), institutional ownership (16/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and construction/permit lag (3/100) register low. On the structural side it scores 40/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (70/100).

The market reads expansion — home values rose 7.5% year on year (phase confidence 44/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 46.9% — high, a tax-stress and distress correlate. About 318 people live here, median age 43. At $88,929, median income runs above typical U.S. levels. The ZIP holds roughly 261 housing units. Around 46% of adults hold a bachelor's degree or higher. 89% of housing is owner-occupied. The typical home is worth about $360,700 (3.6× income, relatively affordable). The demographic-stress sub-score lands at 50/100. Around 100% of renters are cost-burdened. The vacancy rate is 70.8% — elevated.

Net-net, 12725 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.