ZIP 12928 Foreclosure, Tax-Lien & Distress Report

In Essex County, New York, ZIP 12928 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. Structural risk reads 50/100 against active distress of 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), climate & FEMA risk (62/100). The sharpest non-environmental signals are construction/permit lag (52/100), structural risk (50/100), institutional ownership (46/100). On the quiet end sit mortgage stress (23/100).

Prices here sit in a expansion phase: values rose 6.0% over the trailing year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

1,805 residents call 12928 home, typically aged 51. There are about 1,146 housing units across 12928. Home values center near $157,900, an affordability ratio of 1.9× — accessible. Vacancy runs 30.5%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 69% of tenant households. The poverty rate is 4.4% — low. The tenure split is 94% owner-occupied to 6% rented. Educational attainment sits at 14% bachelor's-or-above. At $79,890, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 30/100.

Net-net, 12928 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12928 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12928 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 12928 stays directly comparable to neighboring ZIPs and the rest of Essex County, New York. Sparse data for 12928 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 12928'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 12928 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.