ZIP 12974 Property Distress & Foreclosure Data

DLRadar grades ZIP 12974 (Essex County, New York) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (62/100). On the structural side it scores 52/100, with 7/100 of stress already active. Property-level stress concentrates in construction/permit lag (65/100), structural risk (52/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) register low.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $43,832, median income runs below typical U.S. levels. Around 71% of renters are cost-burdened. The demographic-stress sub-score lands at 39/100. Around 20% of adults hold a bachelor's degree or higher. The vacancy rate is 8.4%. About 1,545 people live here, median age 62. The poverty rate is 28.3% — high, a tax-stress and distress correlate. The typical home is worth about $161,400 (3.5× income, relatively affordable). 70% of housing is owner-occupied. The ZIP holds roughly 929 housing units.

Net-net, 12974 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.