ZIP 12974 Foreclosure, Tax-Lien & Distress Report
Essex County, New York · High Poverty market
In Essex County, New York, ZIP 12974 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (FEMA disaster exposure (88/100), climate & FEMA risk (62/100)). Structural risk reads 50/100 against active distress of 7/100. Its standout signals are construction/permit lag (52/100), structural risk (50/100), institutional ownership (46/100). By contrast, mortgage stress (23/100) register low.
The expansion-phase market in 12974 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.
Median household income is $43,832, below the U.S. median near $78,000. Rent burden reaches 71% of tenant households. DLRadar's demographic-stress index for the area reads 39/100. About 20% have a four-year degree. The vacancy rate is 8.4%. 1,545 residents call 12974 home, typically aged 62. Roughly 28.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $161,400 here, or 3.5 times local income. The tenure split is 70% owner-occupied to 30% rented. There are about 929 housing units across 12974.
On the whole, 12974 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12974 is not published yet -- the ZIP-level readings above remain fully sourced.
Whether 12974 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12974 can be compared directly against any other ZIP in Essex County, New York or nationwide. Where the record is thin for 12974, the field stays empty rather than modeled, and fills in as new documents post.
The 24/100 for 12974 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12974 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 12974 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 12974 Stress Report snapshot
The live 12974 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Essex County
Nearest ZIP codes to 12974
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
More ZIP, county and state distress intelligence connected to Essex County, New York.
Unlock the full ZIP 12974 acquisition report
See who owns each distressed property in 12974, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology