ZIP 12788 Foreclosure, Tax-Lien & Distress Report
Sullivan County, New York · High Vacancy market
ZIP code 12788 in Sullivan County, New York carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (64/100). 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. Structural risk reads 58/100 against active distress of 3/100.
The peak-phase market in 12788 posted values that rose 4.9% over the year, and 89% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Vacancy runs 31.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 60% of tenant households. Home values center near $270,500, an affordability ratio of 3.0× — accessible. There are about 1,423 housing units across 12788. Population is roughly 3,122 with a median age of 43. On demographic stress specifically, 12788 scores 36/100. 69% of housing is owner-occupied. About 16% have a four-year degree. Roughly 13.5% live below the poverty line. Households earn a median $86,176 — near the roughly $78,000 national figure.
Taken together, 12788 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12788 is not published yet -- the ZIP-level readings above remain fully sourced.
The 12788 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12788 stays directly comparable to neighboring ZIPs and the rest of Sullivan County, New York. Every figure is auditable to a public dataset and refreshed as records update; 12788 shows blanks, not estimates, wherever the record is sparse.
The 25/100 for 12788 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 12788 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 12788
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 12788 distress snapshot
The live 12788 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Sullivan County ZIP codes
Nearest ZIP codes to 12788
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Sullivan County, New York.
Unlock the full ZIP 12788 acquisition report
See who owns each distressed property in 12788, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology