ZIP 12008 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 12008 in Schenectady County, New York comes in at 21, a low composite-distress reading. It additionally carries heavy environmental risk: flood (NFIP) exposure (82/100), climate & FEMA risk (73/100). Structural risk reads 49/100 against active distress of 2/100. Its heaviest discrete signals: structural risk (49/100), construction/permit lag (44/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (6/100) stay muted.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 44% of adults hold a bachelor's degree or higher. The typical home is worth about $304,300 (1.9× income, relatively affordable). The tenure split is 100% owner-occupied to 0% rented. The vacancy rate is 0.0%. Roughly 0.2% live below the poverty line, a low share typical of higher-equity areas. DLRadar's demographic-stress index for the area reads 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.

Broadly, 12008 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 12008 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 12008 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12008 can be compared directly against any other ZIP in Schenectady County, New York or nationwide. Where the public record is thin for 12008, the field stays empty rather than modeled, and fills in as new documents post.

12008'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. Practically, 12008 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.