ZIP 12958 Foreclosure, Tax-Lien & Distress Report

ZIP code 12958 in Clinton County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (38/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (70/100). The latent-versus-live split is 38/100 structural and 1/100 already moving.

The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

Around 100% of renters are cost-burdened. Roughly 10.9% live below the poverty line. The typical home is worth about $177,000 (2.5× income, relatively affordable). The ZIP holds roughly 925 housing units. Median household income is $58,512, below the U.S. median near $78,000. Vacancy runs 21.0%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 36/100. 1,650 residents call 12958 home, typically aged 48. Educational attainment sits at 19% bachelor's-or-above. Owners hold 91% of homes, renters 9%.

Taken together, 12958 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12958 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12958 read uses the identical scoring model applied coast to coast, which means its 17/100 score means exactly what it means anywhere else, and 12958 stays directly comparable to neighboring ZIPs and the rest of Clinton County, New York. Nothing here is interpolated — where a source is thin for 12958, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 12958 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. For an operator, 12958 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.