ZIP 12851 Foreclosure, Tax-Lien & Distress Report

Essex County, New York's ZIP 12851 registers 25/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (52/100), institutional ownership (44/100). mortgage stress (23/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (94/100), climate & FEMA risk (62/100). Structurally it carries 52/100, against 7/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $160,900, an affordability ratio of 1.7× — accessible. 9.9% of residents fall below the poverty threshold. Households earn a median $77,969 — near the roughly $78,000 national figure. Rent burden reaches 50% of tenant households. Educational attainment sits at 22% bachelor's-or-above. There are about 240 housing units across 12851. The vacancy rate is 45.9% — elevated. DLRadar's demographic-stress index for the area reads 28/100. Owners hold 97% of homes, renters 3%. About 304 people live here, median age 57.

Net-net, 12851 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 12851 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12851 stays directly comparable to neighboring ZIPs and the rest of Essex County, New York. Nothing here is interpolated — where a source is thin for 12851, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 12851 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 12851 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.