ZIP 12786 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12786 (Sullivan County, New York) lands at 25/100 — low on DLRadar's distress scoring. Structural risk reads 58/100 against active distress of 0/100. Environmental exposure also runs high (climate & FEMA risk (78/100), flood (NFIP) exposure (64/100)). Its heaviest discrete signals: construction/permit lag (89/100), structural risk (58/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) register low.

Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

553 residents call 12786 home, typically aged 65. A median home runs $172,800 here, or 2.1 times local income. 9.0% of residents fall below the poverty threshold. The tenure split is 90% owner-occupied to 10% rented. On demographic stress specifically, 12786 scores 37/100. The ZIP holds roughly 805 housing units. Vacancy runs 71.8%, above the national norm and a classic distress-and-opportunity signal. Around 100% of renters are cost-burdened. Educational attainment sits at 42% bachelor's-or-above. Households earn a median $80,568 — near the roughly $78,000 national figure.

On the whole, 12786 leans distressed, with opportunity clustered in specific stressed parcels. 12786 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12786 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12786 stays directly comparable to neighboring ZIPs and the rest of Sullivan County, New York. Nothing here is interpolated — where a source is thin for 12786, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12786 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For an operator, 12786 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.