ZIP 12946 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12946 (Essex County, New York) lands at 24/100 — low on DLRadar's distress scoring. On the structural side it scores 50/100, with 7/100 of stress already active. Its standout signals are construction/permit lag (52/100), structural risk (50/100), institutional ownership (46/100). On the quiet end sit mortgage stress (23/100). Environmental exposure also runs high (FEMA disaster exposure (88/100), climate & FEMA risk (62/100)).

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 14% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 72% of homes, renters 28%. A median home runs $467,000 here, or 5.7 times local income. At $78,261, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 41/100. About 4,805 people live here, median age 47. Vacancy runs 40.2%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 63% of tenant households. There are about 4,049 housing units across 12946. Roughly 11.6% live below the poverty line. Educational attainment sits at 46% bachelor's-or-above.

Taken together, 12946 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 12946 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 12946's 24/100 can be lined up against any neighbor in Essex County, New York or any ZIP coast to coast. Where the record is thin for 12946, the field stays empty rather than modeled, and fills in as new documents post.

Behind 12946's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 12946 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.