ZIP 12966 Foreclosure, Tax-Lien & Distress Report

ZIP code 12966 in Franklin County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (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). On the quiet end sit mortgage stress (23/100). On the structural side it scores 54/100, with 7/100 of stress already active.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 86% of homes, renters 14%. 18.9% of residents fall below the poverty threshold. The vacancy rate is 17.1% — elevated. About 19% have a four-year degree. Home values center near $114,600, an affordability ratio of 1.8× — accessible. Around 43% of renters are cost-burdened. About 2,962 people live here, median age 37. The ZIP holds roughly 1,361 housing units. Households earn a median $66,016 — below the roughly $78,000 national figure. On demographic stress specifically, 12966 scores 28/100.

Taken together, 12966 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 12966 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 12966's 24/100 can be lined up against any neighbor in Franklin County, New York or any ZIP coast to coast. 12966 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 figure for 12966 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12966 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.