ZIP 12964 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12964 in Essex County, New York comes in at 25, a low composite-distress reading. Structural exposure scores 52 and live distress 7 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), climate & FEMA risk (62/100). Property-level stress concentrates in construction/permit lag (61/100), structural risk (52/100), institutional ownership (44/100). By contrast, mortgage stress (23/100) register low.

The expansion-phase market in 12964 posted values that rose 6.0% over the year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

46 residents call 12964 home, typically aged 66. At $79,063, median income runs near typical U.S. levels. 89% of housing is owner-occupied. The ZIP holds roughly 86 housing units. Vacancy runs 72.5%, above the national norm and a classic distress-and-opportunity signal. Roughly 26.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $265,000. About 49% have a four-year degree. Around 100% of renters are cost-burdened. The demographic-stress sub-score lands at 48/100.

Taken together, 12964 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12964 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Essex County, New York and the nation. Where the public record is thin for 12964, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 12964 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 12964 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.