ZIP 12980 Foreclosure, Tax-Lien & Distress Report

ZIP 12980's composite property-distress score is 26/100 - DLRadar classes that as low for Franklin County, New York. Structural risk reads 58/100 against active distress of 7/100. Its heaviest discrete signals: structural risk (58/100), institutional ownership (53/100), construction/permit lag (49/100). mortgage stress (24/100) stay muted. Environmental exposure also runs high (FEMA disaster exposure (86/100), flood (NFIP) exposure (67/100)).

The market reads expansion — home values rose 5.8% year on year (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $106,500, an affordability ratio of 1.6× — accessible. There are about 1,140 housing units across 12980. About 1,064 people live here, median age 57. Around 14% of adults hold a bachelor's degree or higher. 90% of housing is owner-occupied. The demographic-stress sub-score lands at 27/100. Rent burden reaches 25% of tenant households. Median household income is $61,447, below the U.S. median near $78,000. Vacancy runs 54.1%, above the national norm and a classic distress-and-opportunity signal. 14.5% of residents fall below the poverty threshold.

Taken together, 12980 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12980 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 12980 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Franklin County, New York and the nation. Where the public record is thin for 12980, the field stays empty rather than modeled, and fills in as new documents post.

12980'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. In workflow terms, 12980 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.