ZIP 12770 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12770 (Sullivan County, New York) lands at 25/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (78/100), flood (NFIP) exposure (64/100)). Structurally it carries 58/100, against 3/100 of stress already in motion. Leading the profile 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.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 0% of tenant households. 0.0% of residents fall below the poverty threshold. The ZIP holds roughly 95 housing units. Vacancy runs 26.3%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 18/100. The typical home is worth about $391,700 (3.3× income, relatively affordable). Around 57% of adults hold a bachelor's degree or higher. 94% of housing is owner-occupied. Households earn a median $106,202 — above the roughly $78,000 national figure. About 241 people live here, median age 49.

Taken together, 12770 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12770 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 12770 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. 12770 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 12770 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 12770 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.