ZIP 12781 Foreclosure, Tax-Lien & Distress Report
Sullivan County, New York · High Vacancy market
Sullivan County, New York's ZIP 12781 registers 25/100 composite distress, which DLRadar reads as low. Its standout signals are construction/permit lag (89/100), structural risk (58/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (64/100). Latent structural risk is 58/100 while live distress already moving reads 0/100.
Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Owners hold 100% of homes, renters 0%. 138 residents call 12781 home, typically aged 80. A median home runs $437,900 here. Educational attainment sits at 38% bachelor's-or-above. The vacancy rate is 34.8% — elevated. There are about 103 housing units across 12781. On demographic stress specifically, 12781 scores 55/100. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.
Net-net, 12781 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12781 is not published yet -- the ZIP-level readings above remain fully sourced.
The 12781 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12781 stays directly comparable to neighboring ZIPs and the rest of Sullivan County, New York. The score is rebuilt from public data as it updates, so 12781 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12781 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For a buyer, 12781 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.
Signal-by-signal read on 12781
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 12781 by the numbers
Current distress, phase, housing and lender-pressure figures for 12781, drawn from the same report attached to each property.
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By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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The complete 12781 distress and acquisition report
The full 12781 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology