ZIP 12768 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12768 (Sullivan County, New York) returns a low composite of 21/100. Structurally it carries 47/100, against 3/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (47/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (5/100). Environmental exposure also runs high (climate & FEMA risk (78/100)).

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

The vacancy rate is 60.1% — elevated. There are about 813 housing units across 12768. Population is roughly 805 with a median age of 55. About 25% have a four-year degree. Owners hold 86% of homes, renters 14%. The poverty rate is 34.7% — high, a tax-stress and distress correlate. Home values center near $294,900, an affordability ratio of 7.9× — stretched. Households earn a median $34,406 — below the roughly $78,000 national figure. Around 0% of renters are cost-burdened. On demographic stress specifically, 12768 scores 46/100.

On the whole, 12768 leans distressed, with opportunity clustered in specific stressed parcels. While 12768 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12768 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 12768 stays directly comparable to neighboring ZIPs and the rest of Sullivan County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 12768 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12768 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Practically, 12768 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.