ZIP 12986 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 12986 (Franklin County, New York) returns a low composite of 26/100. Structural exposure scores 59 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — FEMA disaster exposure (86/100), flood (NFIP) exposure (68/100). The pressure is most legible in structural risk (59/100), institutional ownership (54/100), construction/permit lag (50/100). mortgage stress (24/100) stay muted.

The expansion-phase market in 12986 posted values that rose 5.7% over the year, and 50% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $158,900 (2.2× income, relatively affordable). The demographic-stress sub-score lands at 28/100. 5,304 residents call 12986 home, typically aged 48. Around 21% of renters are cost-burdened. The tenure split is 70% owner-occupied to 30% rented. Roughly 16.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 36.0%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 23% bachelor's-or-above. There are about 3,681 housing units across 12986. Median household income is $60,717, below the U.S. median near $78,000.

Net-net, 12986 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 12986 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12986 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12986 can be compared directly against any other ZIP in Franklin County, New York or nationwide. Sparse data for 12986 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 12986 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 12986 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.