ZIP 12945 Property Distress & Foreclosure Data

ZIP code 12945 in Franklin County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100)). On the structural side it scores 50/100, with 7/100 of stress already active. What sets it apart are the readings on institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (23/100).

The expansion-phase market in 12945 posted values that rose 6.5% over the year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 27/100. Home values center near $278,100, an affordability ratio of 2.9× — accessible. Median household income is $88,114, above the U.S. median near $78,000. The vacancy rate is 63.5% — elevated. Population is roughly 535 with a median age of 33. The ZIP holds roughly 450 housing units. Educational attainment sits at 45% bachelor's-or-above. 6.2% of residents fall below the poverty threshold. Owners hold 100% of homes, renters 0%.

On the whole, 12945 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.