ZIP 12987 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 12987 in Essex County, New York comes in at 22, a low composite-distress reading. Leading the profile are construction/permit lag (52/100), structural risk (47/100), institutional ownership (40/100). By contrast, mortgage stress (23/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (74/100), climate & FEMA risk (62/100). The latent-versus-live split is 47/100 structural and 7/100 already moving.

The market reads expansion — home values rose 6.0% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 46% have a four-year degree. There are about 136 housing units across 12987. At $111,083, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 21/100. Rent burden reaches 0% of tenant households. The typical home is worth about $250,000 (2.0× income, relatively affordable). The poverty rate is 23.9% — high, a tax-stress and distress correlate. Owners hold 88% of homes, renters 12%. The vacancy rate is 34.0% — elevated. 188 residents call 12987 home, typically aged 50.

On the whole, 12987 leans distressed, with opportunity clustered in specific stressed parcels. 12987 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 12987's 22/100 can be lined up against any neighbor in Essex County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12987, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12987'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. Treat 12987 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.