ZIP 12778 Foreclosure, Tax-Lien & Distress Report
Sullivan County, New York · High Vacancy market
ZIP code 12778 in Sullivan County, New York carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on 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. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (64/100). 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 (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
Owners hold 81% of homes, renters 19%. The poverty rate is 37.1% — high, a tax-stress and distress correlate. DLRadar's demographic-stress index for the area reads 47/100. There are about 920 housing units across 12778. About 456 people live here, median age 61. Around 29% of adults hold a bachelor's degree or higher. The vacancy rate is 75.3% — elevated. Median household income is $66,406, below the U.S. median near $78,000. A median home runs $170,700 here, or 2.7 times local income.
Taken together, 12778 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12778 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Whether 12778 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12778 can be compared directly against any other ZIP in Sullivan County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12778, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
12778's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 12778 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
ZIP 12778 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 12778 by the numbers
A live read on 12778: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Sullivan County ZIPs near 12778
Nearest ZIP codes to 12778
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Keep going: ZIP, county and state distress coverage for Sullivan County, New York.
See every distressed parcel in 12778
Get every distressed property in 12778 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Built from public records, scored the same way everywhere · methodology