ZIP 12989 Foreclosure, Tax-Lien & Distress Report
Franklin County, New York · High Vacancy market
ZIP code 12989 in Franklin County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: construction/permit lag (51/100), structural risk (51/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (60/100). The latent-versus-live split is 51/100 structural and 7/100 already moving.
Prices here sit in a expansion phase: values rose 6.0% over the trailing year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
There are about 921 housing units across 12989. 1,012 residents call 12989 home, typically aged 56. The poverty rate is 20.1% — high, a tax-stress and distress correlate. Rent burden reaches 28% of tenant households. Home values center near $228,400, an affordability ratio of 2.5× — accessible. The demographic-stress sub-score lands at 29/100. Median household income is $78,438, near the U.S. median near $78,000. Vacancy runs 45.2%, above the national norm and a classic distress-and-opportunity signal. Around 24% of adults hold a bachelor's degree or higher. Owners hold 91% of homes, renters 9%.
On the whole, 12989 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12989 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 12989 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 12989 shows as blanks, never estimates, and the score updates on every fresh public filing.
12989's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 12989 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 12989’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 12989 distress snapshot
The live 12989 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Franklin County ZIP codes
Nearest ZIP codes to 12989
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Additional distress intelligence spanning Franklin County, New York by ZIP, county and state.
The complete 12989 distress and acquisition report
The full 12989 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology