ZIP 12857 Foreclosure, Tax-Lien & Distress Report

Essex County, New York's ZIP 12857 registers 22/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (52/100), structural risk (46/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (23/100). Structural risk reads 46/100 against active distress of 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (72/100), climate & FEMA risk (62/100).

The expansion-phase market in 12857 posted values that rose 6.0% over the year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $63,935 — below the roughly $78,000 national figure. Educational attainment sits at 31% bachelor's-or-above. The poverty rate is 11.4%. A median home runs $203,800 here, or 2.9 times local income. Rent burden reaches 10% of tenant households. 89% of housing is owner-occupied. About 613 people live here, median age 62. On demographic stress specifically, 12857 scores 26/100. Vacancy runs 49.8%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 646 housing units.

On the whole, 12857 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12857 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 12857 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12857 can be compared directly against any other ZIP in Essex County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12857, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12857's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 12857 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.