ZIP 12937 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12937 (Franklin County, New York) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), flood (NFIP) exposure (61/100). The sharpest non-environmental signals are structural risk (54/100), institutional ownership (51/100), construction/permit lag (44/100). mortgage stress (23/100) stay muted. Structurally it carries 54/100, against 7/100 of stress already in motion.

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.

Population is roughly 1,340 with a median age of 40. 83% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 33/100. Around 14% of adults hold a bachelor's degree or higher. The ZIP holds roughly 650 housing units. Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal. At $49,265, median income runs below typical U.S. levels. Around 64% of renters are cost-burdened. 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.

On the whole, 12937 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 12937 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 12937 can be compared directly against any other ZIP in Franklin County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12937 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12937 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. For a buyer, 12937 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.