ZIP 12960 Foreclosure, Tax-Lien & Distress Report
Essex County, New York · Affordable market
Composite property distress in 12960 (Essex County, New York) lands at 25/100 — low on DLRadar's public-record scoring. Latent structural risk is 52/100 while live distress already moving reads 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), climate & FEMA risk (62/100). Its heaviest discrete signals: construction/permit lag (61/100), structural risk (52/100), institutional ownership (44/100). On the quiet end sit mortgage stress (23/100).
The expansion-phase market in 12960 posted values that rose 6.0% over the year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
A median home runs $144,300 here, or 2.3 times local income. DLRadar's demographic-stress index for the area reads 14/100. Population is roughly 995 with a median age of 52. The tenure split is 98% owner-occupied to 2% rented. About 44% have a four-year degree. Around 0% of renters are cost-burdened. Vacancy runs 5.7%. Roughly 0.8% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 588 housing units. Median household income is $61,443, below the U.S. median near $78,000.
On balance 12960 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 12960 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 12960's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 12960, the field stays empty rather than modeled, and fills in as new documents post.
Behind 12960'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. The point of the 12960 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 12960 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
12960 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 12960, the same set carried on every parcel.
Other Essex County ZIP codes
More distress data near 12960
Other reports tied to Essex County, New York — ZIP, county and statewide.
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Deterministic. Every signal traces to a public dataset · methodology