ZIP 12776 Foreclosure, Tax-Lien & Distress Report
Delaware County, New York · High Vacancy market
Composite property distress in 12776 (Delaware County, New York) lands at 28/100 — low on DLRadar's public-record scoring. Property-level stress concentrates in construction/permit lag (74/100), structural risk (63/100), institutional ownership (36/100). On the quiet end sit institutional ownership (36/100) and mortgage stress (20/100). It additionally carries heavy environmental risk: climate & FEMA risk (79/100). The latent-versus-live split is 63/100 structural and 6/100 already moving.
Prices here sit in a expansion phase: values rose 5.5% over the trailing year, at 37/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
On demographic stress specifically, 12776 scores 31/100. Owners hold 89% of homes, renters 11%. Households earn a median $79,875 — near the roughly $78,000 national figure. Vacancy runs 59.8%, above the national norm and a classic distress-and-opportunity signal. About 2,046 people live here, median age 53. Educational attainment sits at 35% bachelor's-or-above. Rent burden reaches 41% of tenant households. The typical home is worth about $248,200 (3.0× income, relatively affordable). 9.2% of residents fall below the poverty threshold. The ZIP holds roughly 1,870 housing units.
Taken together, 12776 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12776 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 12776 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12776 reflects the current record instead of a stale or modeled snapshot.
12776'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 an operator, 12776 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12776
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 12776 by the numbers
The live 12776 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Delaware County ZIPs near 12776
More distress data near 12776
Other reports tied to Delaware County, New York — ZIP, county and statewide.
Get the full acquisition report for 12776
The full 12776 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology