ZIP 12939 Foreclosure, Tax-Lien & Distress Report
Franklin County, New York · Distress market
Scored on a fixed 0-100 scale, 12939 (Franklin County, New York) returns a low composite of 23/100. Climate and flood risk are elevated too — FEMA disaster exposure (71/100). What sets it apart are the readings on structural risk (52/100), construction/permit lag (51/100), institutional ownership (46/100). On the quiet end sit mortgage stress (23/100). Structural risk reads 52/100 against active distress of 7/100.
Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 162 people live here, median age 57. At $51,736, median income runs below typical U.S. levels. The tenure split is 63% owner-occupied to 37% rented. Around 0% of renters are cost-burdened. Home values center near $275,000, an affordability ratio of 5.4×. Roughly 9.9% live below the poverty line. The vacancy rate is 0.0%. The ZIP holds roughly 130 housing units. The demographic-stress sub-score lands at 30/100. About 23% have a four-year degree.
On balance 12939 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 12939 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 12939 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12939 reflects the current record instead of a stale or modeled snapshot.
12939's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 12939 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 12939’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 12939 by the numbers
The live 12939 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Franklin County
Nearest ZIP codes to 12939
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Franklin County, New York
Keep going: ZIP, county and state distress coverage for Franklin County, New York.
See every distressed parcel in 12939
Get every distressed property in 12939 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Built from public records, scored the same way everywhere · methodology