ZIP 12956 Property Distress & Foreclosure Data

DLRadar grades ZIP 12956 (Essex County, New York) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (65/100), structural risk (52/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (62/100). On the structural side it scores 52/100, with 7/100 of stress already active.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

72% of housing is owner-occupied. The poverty rate is 17.6% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 21/100. Around 0% of renters are cost-burdened. At $67,526, median income runs below typical U.S. levels. The ZIP holds roughly 517 housing units. Around 18% of adults hold a bachelor's degree or higher. The vacancy rate is 4.9%. The typical home is worth about $115,200 (1.7× income, relatively affordable). About 1,538 people live here, median age 39.

Net-net, 12956 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.