ZIP 12737 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12737 (Sullivan County, New York) returns a low composite of 21/100. On the structural side it scores 47/100, with 3/100 of stress already active. Property-level stress concentrates in construction/permit lag (81/100), structural risk (47/100), mortgage stress (8/100). mortgage stress (8/100) and institutional ownership (5/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (78/100).

The market reads peak — home values rose 4.9% year on year, and 13% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

1,817 residents call 12737 home, typically aged 39. The vacancy rate is 38.3% — elevated. Home values center near $289,700, an affordability ratio of 2.8× — accessible. Owners hold 93% of homes, renters 7%. There are about 1,000 housing units across 12737. Educational attainment sits at 38% bachelor's-or-above. At $102,150, median income runs above typical U.S. levels. The poverty rate is 13.1%. Rent burden reaches 0% of tenant households. DLRadar's demographic-stress index for the area reads 22/100.

Taken together, 12737 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12737 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 12737 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 12737 can be compared directly against any other ZIP in Sullivan County, New York or nationwide. Where the public record is thin for 12737, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 12737 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Treat 12737 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.