ZIP 12914 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12914 (Franklin County, New York) at a low 26/100 for overall property distress. Environmental exposure also runs high (FEMA disaster exposure (86/100), flood (NFIP) exposure (66/100)). Structural exposure scores 57 and live distress 7 on the 0–100 scale. The pressure is most legible in structural risk (57/100), institutional ownership (53/100), construction/permit lag (48/100). On the quiet end sit mortgage stress (24/100).

The market reads expansion — home values rose 5.8% year on year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $43,750 — below the roughly $78,000 national figure. The ZIP holds roughly 426 housing units. The tenure split is 68% owner-occupied to 32% rented. The vacancy rate is 18.4% — elevated. The poverty rate is 24.0% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 39/100. Around 10% of adults hold a bachelor's degree or higher. 892 residents call 12914 home, typically aged 36. Rent burden reaches 88% of tenant households. The typical home is worth about $98,000 (2.0× income, relatively affordable).

Taken together, 12914 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12914 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Franklin County, New York and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 12914 shows blanks, not estimates, wherever the record is sparse.

Behind 12914'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. In workflow terms, 12914 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.