ZIP 12945 Foreclosure, Tax-Lien & Distress Report
Franklin County, New York · High Vacancy market
ZIP code 12945 in Franklin County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: FEMA disaster exposure (60/100). Structurally it carries 51/100, against 7/100 of stress already in motion. Property-level stress concentrates in construction/permit lag (51/100), structural risk (51/100), institutional ownership (45/100). On the quiet end sit mortgage stress (23/100).
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.
On demographic stress specifically, 12945 scores 38/100. A median home runs $278,100 here, or 2.9 times local income. Median household income is $88,114, above the U.S. median near $78,000. Vacancy runs 63.5%, above the national norm and a classic distress-and-opportunity signal. 535 residents call 12945 home, typically aged 33. The ZIP holds roughly 450 housing units. Educational attainment sits at 45% bachelor's-or-above. Roughly 6.2% live below the poverty line, a low share typical of higher-equity areas. 100% of housing is owner-occupied.
On the whole, 12945 leans distressed, with opportunity clustered in specific stressed parcels. While 12945 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: 12945 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. Every figure is auditable to a public dataset and refreshed as records update; 12945 shows blanks, not estimates, wherever the record is sparse.
12945'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. Practically, 12945 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 12945
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12945 at a glance
The live 12945 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Franklin County
Nearest ZIP codes to 12945
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12945
Further distress data across Franklin County, New York at ZIP, county and state level.
The complete 12945 distress and acquisition report
The full 12945 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology