ZIP 12944 Foreclosure, Tax-Lien & Distress Report

ZIP 12944's composite property-distress score is 23/100 - DLRadar classes that as low for Essex County, New York. Environmental exposure also runs high (FEMA disaster exposure (77/100), climate & FEMA risk (63/100)). The sharpest non-environmental signals are construction/permit lag (53/100), structural risk (48/100), institutional ownership (41/100). By contrast, mortgage stress (20/100) register low. The latent-versus-live split is 48/100 structural and 6/100 already moving.

Prices here sit in a expansion phase: values rose 5.8% over the trailing year, and 23% higher over three years, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 20.8%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 44% of tenant households. The ZIP holds roughly 1,944 housing units. Owners hold 77% of homes, renters 23%. On demographic stress specifically, 12944 scores 29/100. 16.1% of residents fall below the poverty threshold. 4,043 residents call 12944 home, typically aged 41. At $70,375, median income runs near typical U.S. levels. Home values center near $141,700, an affordability ratio of 2.1× — accessible. Educational attainment sits at 26% bachelor's-or-above.

On the whole, 12944 leans distressed, with opportunity clustered in specific stressed parcels. While 12944 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12944 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 12944 stays directly comparable to neighboring ZIPs and the rest of Essex County, New York. Every figure is auditable to a public dataset and refreshed as records update; 12944 shows blanks, not estimates, wherever the record is sparse.

12944's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 12944 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.