ZIP 12983 Property Distress & Foreclosure Data

DLRadar grades ZIP 12983 (Franklin County, New York) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (54/100), structural risk (53/100), institutional ownership (49/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). The latent-versus-live split is 53/100 structural and 7/100 already moving.

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

The ZIP holds roughly 4,726 housing units. The poverty rate is 14.4%. At $64,604, median income runs below typical U.S. levels. The vacancy rate is 24.5% — elevated. The demographic-stress sub-score lands at 29/100. 57% of housing is owner-occupied. Around 43% of adults hold a bachelor's degree or higher. About 7,410 people live here, median age 45. Around 26% of renters are cost-burdened. The typical home is worth about $225,200 (3.2× income, relatively affordable).

Net-net, 12983 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.