ZIP 12920 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12920 (Franklin County, New York) lands at 23/100 — low on DLRadar's distress scoring. The split runs 51/100 structural to 7/100 active on the ground. The pressure is most legible in construction/permit lag (52/100), structural risk (51/100), institutional ownership (43/100). On the quiet end sit mortgage stress (22/100). Environmental exposure also runs high (FEMA disaster exposure (66/100)).

Prices here sit in a expansion phase: values rose 5.9% over the trailing year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $152,600 (1.8× income, relatively affordable). Vacancy runs 32.5%, above the national norm and a classic distress-and-opportunity signal. 2,509 residents call 12920 home, typically aged 44. 17.8% of residents fall below the poverty threshold. 83% of housing is owner-occupied. At $70,714, median income runs near typical U.S. levels. Rent burden reaches 38% of tenant households. There are about 1,592 housing units across 12920. DLRadar's demographic-stress index for the area reads 28/100. Around 21% of adults hold a bachelor's degree or higher.

On the whole, 12920 leans distressed, with opportunity clustered in specific stressed parcels. 12920 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12920 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 12920 stays directly comparable to neighboring ZIPs and the rest of Franklin County, New York. Every figure is auditable to a public dataset and refreshed as records update; 12920 shows blanks, not estimates, wherever the record is sparse.

Behind 12920'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 12920 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.