ZIP 12742 Foreclosure, Tax-Lien & Distress Report

ZIP code 12742 in Sullivan County, New York carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. The split runs 58/100 structural to 3/100 active on the ground. Its heaviest discrete signals: construction/permit lag (89/100), structural risk (58/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (64/100).

The peak-phase market in 12742 posted values that rose 4.9% over the year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $144,167 — above the roughly $78,000 national figure. 82% of housing is owner-occupied. The ZIP holds roughly 113 housing units. The vacancy rate is 45.6% — elevated. The poverty rate is 14.4%. Home values center near $328,000, an affordability ratio of 2.3× — accessible. About 132 people live here, median age 45. The demographic-stress sub-score lands at 38/100. Around 38% of adults hold a bachelor's degree or higher.

Taken together, 12742 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.

Big metro or rural, 12742 runs through one identical scoring model, so its 25/100 sits on the same scale as every other ZIP in Sullivan County, New York and the nation. Sparse data for 12742 shows as blanks, never estimates, and the score updates on every fresh public filing.

12742'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. For a buyer, 12742 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.