ZIP 12785 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12785 (Sullivan County, New York) returns a low composite of 22/100. The pressure is most legible in construction/permit lag (62/100), structural risk (48/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. The latent-versus-live split is 48/100 structural and 3/100 already moving. Environmental exposure also runs high (climate & FEMA risk (81/100)).

Prices here sit in a peak phase: values rose 4.5% over the trailing year (phase confidence 37/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 968 people live here, median age 40. DLRadar's demographic-stress index for the area reads 21/100. Home values center near $239,900, an affordability ratio of 1.9× — accessible. Around 6% of adults hold a bachelor's degree or higher. The tenure split is 100% owner-occupied to 0% rented. At $122,167, median income runs above typical U.S. levels. The ZIP holds roughly 345 housing units. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. 0.5% of residents fall below the poverty threshold.

On the whole, 12785 leans distressed, with opportunity clustered in specific stressed parcels. While 12785 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12785 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 12785 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 12785 reflects the current record instead of a stale or modeled snapshot.

Behind 12785'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 an operator, 12785 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.