ZIP 12077 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12077 (Albany County, New York) at a low 26/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)). Latent structural risk is 59/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 6.6% year on year, and 43% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $125,370, above the U.S. median near $78,000. Roughly 10.1% live below the poverty line. Rent burden reaches 56% of tenant households. The vacancy rate is 2.7%. The typical home is worth about $401,700 (2.8× income, relatively affordable). About 65% have a four-year degree. About 6,733 people live here, median age 44. 77% of housing is owner-occupied. On demographic stress specifically, 12077 scores 25/100. There are about 2,823 housing units across 12077.

Overall, 12077 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12077 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Albany County, New York and the nation. Nothing here is interpolated — where a source is thin for 12077, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 for 12077 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 12077 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.