ZIP 12970 Foreclosure, Tax-Lien & Distress Report
Franklin County, New York · High Vacancy market
DLRadar grades ZIP 12970 (Franklin County, New York) at a low 23/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (51/100), structural risk (51/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) register low. Structurally it carries 51/100, against 7/100 of stress already in motion. Climate and flood risk are elevated too — FEMA disaster exposure (60/100).
The expansion-phase market in 12970 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.
Households earn a median $81,250 — near the roughly $78,000 national figure. 4.0% of residents fall below the poverty threshold. Population is roughly 1,022 with a median age of 21. Rent burden reaches 0% of tenant households. The ZIP holds roughly 460 housing units. Home values center near $242,100, an affordability ratio of 3.7× — accessible. The demographic-stress sub-score lands at 25/100. The vacancy rate is 53.9% — elevated. About 54% have a four-year degree. The tenure split is 72% owner-occupied to 28% rented.
On the whole, 12970 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12970 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 12970 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 12970 reflects the current record instead of a stale or modeled snapshot.
12970's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 12970 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 12970
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 12970 Stress Report snapshot
A live read on 12970: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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Keep going: ZIP, county and state distress coverage for Franklin County, New York.
Unlock parcel-level detail for ZIP 12970
The full 12970 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology