ZIP 12989 Property Distress & Foreclosure Data

Composite property distress in 12989 (Franklin County, New York) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100). On the structural side it scores 50/100, with 7/100 of stress already active.

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

The ZIP holds roughly 921 housing units. About 1,012 people live here, median age 56. The poverty rate is 20.1% — high, a tax-stress and distress correlate. Around 28% of renters are cost-burdened. The typical home is worth about $228,400 (2.5× income, relatively affordable). The demographic-stress sub-score lands at 29/100. At $78,438, median income runs near typical U.S. levels. The vacancy rate is 45.2% — elevated. Around 24% of adults hold a bachelor's degree or higher. 91% of housing is owner-occupied.

Net-net, 12989 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.