ZIP 12916 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12916 (Franklin County, New York) returns a low composite of 24/100. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), flood (NFIP) exposure (61/100). Latent structural risk is 54/100 while live distress already moving reads 7/100. Its heaviest discrete signals: structural risk (54/100), institutional ownership (51/100), construction/permit lag (44/100). By contrast, mortgage stress (23/100) register low.

The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The demographic-stress sub-score lands at 27/100. 2,250 residents call 12916 home, typically aged 38. There are about 1,040 housing units across 12916. Around 18% of adults hold a bachelor's degree or higher. 20.6% of residents fall below the poverty threshold. The tenure split is 73% owner-occupied to 27% rented. Rent burden reaches 36% of tenant households. Home values center near $94,700, an affordability ratio of 1.5× — accessible. Households earn a median $59,762 — below the roughly $78,000 national figure. The vacancy rate is 13.6% — elevated.

On the whole, 12916 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 12916 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 12916 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12916 can be compared directly against any other ZIP in Franklin County, New York or nationwide. Sparse data for 12916 shows as blanks, never estimates, and the score updates on every fresh public filing.

12916's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 12916 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.