ZIP 12851 Property Distress & Foreclosure Data

In Essex County, New York, ZIP 12851 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (65/100), structural risk (52/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (62/100). The latent-versus-live split is 52/100 structural and 7/100 already moving.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $160,900 (1.7× income, relatively affordable). The poverty rate is 9.9%. At $77,969, median income runs near typical U.S. levels. Around 50% of renters are cost-burdened. Around 22% of adults hold a bachelor's degree or higher. The ZIP holds roughly 240 housing units. The vacancy rate is 45.9% — elevated. The demographic-stress sub-score lands at 28/100. 97% of housing is owner-occupied. 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.