ZIP 12764 Foreclosure, Tax-Lien & Distress Report

ZIP code 12764 in Sullivan County, New York carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (64/100). Its standout signals are construction/permit lag (89/100), structural risk (58/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (8/100) register low. On the structural side it scores 58/100, with 3/100 of stress already active.

The market reads peak — home values rose 4.9% year on year, and 42% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $265,800 here, or 3.6 times local income. 8.2% of residents fall below the poverty threshold. Population is roughly 1,827 with a median age of 49. At $62,750, median income runs below typical U.S. levels. The tenure split is 83% owner-occupied to 17% rented. Educational attainment sits at 42% bachelor's-or-above. Vacancy runs 42.5%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 26/100. The ZIP holds roughly 1,524 housing units. Around 10% of renters are cost-burdened.

On the whole, 12764 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 12764 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12764 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12764 stays directly comparable to neighboring ZIPs and the rest of Sullivan County, New York. 12764 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 12764's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 12764 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.