ZIP 12150 Property Distress & Foreclosure Data

Composite property distress in 12150 (Schenectady County, New York) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (76/100), structural risk (53/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). Environmental exposure also runs high (climate & FEMA risk (73/100), flood (NFIP) exposure (64/100)). The latent-versus-live split is 53/100 structural and 2/100 already moving.

The expansion-phase market in 12150 posted values that rose 5.6% over the year, and 26% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 23/100. 2.1% of residents fall below the poverty threshold. Educational attainment sits at 11% bachelor's-or-above. Median household income is $73,977, near the U.S. median near $78,000. Population is roughly 665 with a median age of 48. The ZIP holds roughly 287 housing units. Owners hold 99% of homes, renters 1%. The vacancy rate is 12.4% — elevated. Home values center near $231,600, an affordability ratio of 2.7× — accessible.

On the whole, 12150 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.