ZIP 12957 Foreclosure, Tax-Lien & Distress Report

Franklin County, New York's ZIP 12957 registers 24/100 composite distress, which DLRadar reads as low. On the structural side it scores 54/100, with 7/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (61/100). Its heaviest discrete signals: structural risk (54/100), institutional ownership (51/100), construction/permit lag (44/100). mortgage stress (23/100) stay muted.

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

There are about 926 housing units across 12957. The typical home is worth about $87,600 (1.5× income, relatively affordable). DLRadar's demographic-stress index for the area reads 27/100. The vacancy rate is 9.2%. 60% of housing is owner-occupied. Households earn a median $57,839 — below the roughly $78,000 national figure. Around 14% of adults hold a bachelor's degree or higher. The poverty rate is 22.8% — high, a tax-stress and distress correlate. Population is roughly 1,721 with a median age of 41. Rent burden reaches 29% of tenant households.

On the whole, 12957 leans distressed, with opportunity clustered in specific stressed parcels. While 12957 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12957 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 12957 stays directly comparable to neighboring ZIPs and the rest of Franklin County, New York. Every figure is auditable to a public dataset and refreshed on ingest; 12957 shows blanks, not estimates, wherever the record is sparse.

The 24/100 for 12957 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 12957 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.