ZIP 12926 Foreclosure, Tax-Lien & Distress Report

Franklin County, New York's ZIP 12926 registers 24/100 composite distress, which DLRadar reads as low. Structural risk reads 54/100 against active distress of 7/100. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (61/100)). Its standout signals are structural risk (54/100), institutional ownership (51/100), construction/permit lag (44/100). mortgage stress (23/100) stay muted.

The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,153 housing units across 12926. Home values center near $109,800, an affordability ratio of 2.1× — accessible. Roughly 16.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 12% bachelor's-or-above. Owners hold 81% of homes, renters 19%. Households earn a median $55,481 — below the roughly $78,000 national figure. The vacancy rate is 8.7%. The demographic-stress sub-score lands at 28/100. 2,493 residents call 12926 home, typically aged 39. Rent burden reaches 42% of tenant households.

Net-net, 12926 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 12926 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12926 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 12926 can be compared directly against any other ZIP in Franklin County, New York or nationwide. 12926 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 for 12926 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12926 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.