ZIP 12976 Foreclosure, Tax-Lien & Distress Report
Franklin County, New York · High Vacancy market
DLRadar grades ZIP 12976 (Franklin County, New York) at a low 23/100 for overall property distress. Climate and flood risk are elevated too — FEMA disaster exposure (71/100). On the structural side it scores 52/100, with 7/100 of stress already active. Its heaviest discrete signals: structural risk (52/100), construction/permit lag (51/100), institutional ownership (46/100). By contrast, mortgage stress (23/100) register low.
The expansion-phase market in 12976 posted values that rose 6.0% over the year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Vacancy runs 54.9%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 33/100. Around 71% of adults hold a bachelor's degree or higher. Around 59% of renters are cost-burdened. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. There are about 213 housing units across 12976. Households earn a median $70,417 — near the roughly $78,000 national figure. 80% of housing is owner-occupied. About 196 people live here, median age 61. The typical home is worth about $231,300 (4.1× income).
Net-net, 12976 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 12976 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 12976 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 12976 reflects the current record instead of a stale or modeled snapshot.
Each component behind 12976 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For an operator, 12976 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 12976
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 12976 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 12976, the same set carried on every parcel.
Franklin County ZIPs near 12976
Nearest ZIP codes to 12976
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 12976
Keep going: ZIP, county and state distress coverage for Franklin County, New York.
Open the complete 12976 acquisition file
Pull every distressed parcel in 12976 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Deterministic. Every signal traces to a public dataset · methodology