ZIP 12978 Foreclosure, Tax-Lien & Distress Report
Clinton County, New York · Affordable market
ZIP code 12978 in Clinton County, New York carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (70/100). Structural risk reads 41/100 against active distress of 1/100. Leading the profile are construction/permit lag (65/100), structural risk (41/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (4/100) stay muted.
The peak-phase market in 12978 posted values that rose 4.9% over the year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
A median home runs $70,500 here. The tenure split is 100% owner-occupied to 0% rented. Population is roughly 243 with a median age of 60. Around 0% of adults hold a bachelor's degree or higher. At $97,470, median income runs above typical U.S. levels. The vacancy rate is 0.0%. DLRadar's demographic-stress index for the area reads 20/100. 0.0% of residents fall below the poverty threshold. The ZIP holds roughly 118 housing units.
Overall 12978 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 12978 at the moment; the composite and its components are still built from verifiable public records.
Whether 12978 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12978 can be compared directly against any other ZIP in Clinton County, New York or nationwide. Sparse data for 12978 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 18/100 for 12978 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 12978 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.
ZIP 12978 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12978 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Clinton County
Related reports across Clinton County, New York
Keep going: ZIP, county and state distress coverage for Clinton County, New York.
See every distressed parcel in 12978
Every distressed parcel in 12978 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology