ZIP 12996 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12996 (Essex County, New York) lands at 25/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: construction/permit lag (61/100), structural risk (52/100), institutional ownership (44/100). By contrast, mortgage stress (23/100) register low. On the structural side it scores 52/100, with 7/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (94/100), climate & FEMA risk (62/100).

The market reads expansion — home values rose 6.0% year on year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $64,306, median income runs below typical U.S. levels. 12.8% of residents fall below the poverty threshold. On demographic stress specifically, 12996 scores 38/100. The ZIP holds roughly 1,539 housing units. Rent burden reaches 74% of tenant households. The vacancy rate is 43.7% — elevated. About 1,937 people live here, median age 55. The typical home is worth about $237,900 (3.6× income, relatively affordable). About 26% have a four-year degree. 84% of housing is owner-occupied.

Net-net, 12996 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.

Whether 12996 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12996 can be compared directly against any other ZIP in Essex County, New York or nationwide. Nothing here is interpolated — where a source is thin for 12996, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12996's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12996 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.