ZIP 12008 Property Distress & Foreclosure Data

ZIP code 12008 in Schenectady County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (73/100), flood (NFIP) exposure (64/100). The latent-versus-live split is 53/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (76/100), structural risk (53/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low.

The market reads expansion — home values rose 5.6% year on year (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 44% of adults hold a bachelor's degree or higher. The typical home is worth about $304,300 (1.9× income, relatively affordable). 100% of housing is owner-occupied. The vacancy rate is 0.0%. The poverty rate is 0.2% — low. The demographic-stress sub-score lands at 15/100. About 610 people live here, median age 28. At $140,594, median income runs above typical U.S. levels. The ZIP holds roughly 173 housing units.

Overall 12008 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.