ZIP 12775 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12775 (Sullivan County, New York) returns a low composite of 21/100. Structural exposure scores 47 and live distress 3 on the 0–100 scale. The most distinctive pressure shows up 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. It additionally carries heavy environmental risk: climate & FEMA risk (78/100).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 46% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,661 residents call 12775 home, typically aged 51. Owners hold 84% of homes, renters 16%. DLRadar's demographic-stress index for the area reads 26/100. The vacancy rate is 34.9% — elevated. Home values center near $398,400, an affordability ratio of 3.8× — accessible. Educational attainment sits at 50% bachelor's-or-above. Households earn a median $108,125 — above the roughly $78,000 national figure. There are about 1,474 housing units across 12775. Around 19% of renters are cost-burdened. 4.3% of residents fall below the poverty threshold.

Taken together, 12775 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12775 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 12775 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 12775 can be compared directly against any other ZIP in Sullivan County, New York or nationwide. Where the public record is thin for 12775, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12775'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. For a buyer, 12775 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.