ZIP 12778 Foreclosure, Tax-Lien & Distress Report

ZIP code 12778 in Sullivan County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (81/100), structural risk (47/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (5/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (78/100). On the structural side it scores 47/100, 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 38/100. 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 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 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.