ZIP 12914 Property Distress & Foreclosure Data

In Franklin County, New York, ZIP 12914 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (75/100), flood (NFIP) exposure (67/100). The latent-versus-live split is 54/100 structural and 7/100 already moving. Its standout signals are institutional ownership (55/100), structural risk (54/100), construction/permit lag (38/100). By contrast, construction/permit lag (38/100) and mortgage stress (24/100) register low.

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.

At $43,750, median income runs below typical U.S. levels. The ZIP holds roughly 426 housing units. 68% of housing is owner-occupied. 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. About 892 people live here, median age 36. Around 88% of renters are cost-burdened. The typical home is worth about $98,000 (2.0× income, relatively affordable).

Net-net, 12914 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.