ZIP 12855 Foreclosure, Tax-Lien & Distress Report

In Essex County, New York, ZIP 12855 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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). Latent structural risk is 52/100 while live distress already moving reads 7/100.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The demographic-stress sub-score lands at 38/100. Around 100% of renters are cost-burdened. Roughly 7.6% live below the poverty line. Around 20% of adults hold a bachelor's degree or higher. Population is roughly 198 with a median age of 55. Vacancy runs 59.3%, above the national norm and a classic distress-and-opportunity signal. Home values center near $170,000, an affordability ratio of 2.3× — accessible. Owners hold 94% of homes, renters 6%. At $67,955, median income runs below typical U.S. levels. The ZIP holds roughly 242 housing units.

Net-net, 12855 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 12855 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 12855 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Essex County, New York and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 12855 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12855 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 12855 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.