ZIP 12732 Foreclosure, Tax-Lien & Distress Report

Sullivan County, New York's ZIP 12732 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (78/100)). On the structural side it scores 47/100, with 3/100 of stress already active. Its standout signals are construction/permit lag (81/100), structural risk (47/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (5/100) register low.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

95% of housing is owner-occupied. About 810 people live here, median age 63. The poverty rate is 5.8% — low. Around 20% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 29% bachelor's-or-above. There are about 684 housing units across 12732. A median home runs $245,600 here, or 4.8 times local income. Median household income is $50,375, below the U.S. median near $78,000. The vacancy rate is 33.8% — elevated.

Taken together, 12732 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 12732 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12732 can be compared directly against any other ZIP in Sullivan County, New York or nationwide. Where the public record is thin for 12732, the field stays empty rather than modeled, and fills in as new documents post.

12732's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12732 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.