ZIP 12997 Foreclosure, Tax-Lien & Distress Report
Essex County, New York · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 12997 in Essex County, New York comes in at 25, a low composite-distress reading. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), climate & FEMA risk (62/100). The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (52/100), institutional ownership (44/100). mortgage stress (23/100) stay muted. The latent-versus-live split is 52/100 structural and 7/100 already moving.
The expansion-phase market in 12997 posted values that rose 6.0% over the year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
1,280 residents call 12997 home, typically aged 44. The typical home is worth about $322,600 (3.4× income, relatively affordable). The ZIP holds roughly 865 housing units. The vacancy rate is 35.6% — elevated. Around 29% of renters are cost-burdened. Roughly 3.3% live below the poverty line, a low share typical of higher-equity areas. Owners hold 83% of homes, renters 17%. Educational attainment sits at 31% bachelor's-or-above. Median household income is $80,568, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 28/100.
On the whole, 12997 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 12997 at the moment; the composite and its components are still built from verifiable public records.
Whether 12997 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 12997 can be compared directly against any other ZIP in Essex County, New York or nationwide. The score is rebuilt from public data as it updates, so 12997 reflects the current record instead of a stale or modeled snapshot.
12997'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. The point of the 12997 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 12997
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12997 at a glance
12997 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Each signal above is traceable to an open dataset · methodology