ZIP 12937 Property Distress & Foreclosure Data

In Franklin County, New York, ZIP 12937 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100). Its standout signals are institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (23/100) stay muted. Structural exposure scores 50 and live distress 7 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 6.5% over the trailing year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

1,340 residents call 12937 home, typically aged 40. The tenure split is 83% owner-occupied to 17% rented. On demographic stress specifically, 12937 scores 33/100. About 14% have a four-year degree. There are about 650 housing units across 12937. Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $49,265 — below the roughly $78,000 national figure. Rent burden reaches 64% of tenant households. A median home runs $99,400 here, or 2.1 times local income. Roughly 20.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 12937 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.