ZIP 12137 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12137 (Schenectady County, New York) lands at 23/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (71/100), flood (NFIP) exposure (67/100). Leading the profile are construction/permit lag (78/100), structural risk (54/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. On the structural side it scores 54/100, with 2/100 of stress already active.

The expansion-phase market in 12137 posted values that rose 6.3% over the year, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 2,347 people live here, median age 32. The poverty rate is 15.0%. 80% of housing is owner-occupied. Educational attainment sits at 29% bachelor's-or-above. Home values center near $271,500, an affordability ratio of 2.8× — accessible. There are about 886 housing units across 12137. The vacancy rate is 6.6%. Rent burden reaches 41% of tenant households. The demographic-stress sub-score lands at 28/100. Median household income is $96,678, above the U.S. median near $78,000.

Broadly, 12137 is a steadier market — the deals are the exceptions, not the rule. 12137 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 12137 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 12137 stays directly comparable to neighboring ZIPs and the rest of Schenectady County, New York. The score is rebuilt from public data as it updates, so 12137 reflects the current record instead of a stale or modeled snapshot.

12137's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 12137 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.