ZIP 12986 Property Distress & Foreclosure Data

ZIP code 12986 in Franklin County, New York carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 56/100 against active distress of 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (75/100), flood (NFIP) exposure (69/100). What sets it apart are the readings on institutional ownership (56/100), structural risk (56/100), construction/permit lag (40/100). By contrast, mortgage stress (24/100) register low.

The market reads expansion — home values rose 6.5% year on year, and 50% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $158,900 (2.2× income, relatively affordable). The demographic-stress sub-score lands at 28/100. About 5,304 people live here, median age 48. Rent burden reaches 21% of tenant households. 70% of housing is owner-occupied. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Vacancy runs 36.0%, above the national norm and a classic distress-and-opportunity signal. Around 23% of adults hold a bachelor's degree or higher. There are about 3,681 housing units across 12986. At $60,717, median income runs below typical U.S. levels.

Net-net, 12986 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.