ZIP 12150 Foreclosure, Tax-Lien & Distress Report
Schenectady County, New York · High Vacancy market
In Schenectady County, New York, ZIP 12150 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in structural risk (49/100), construction/permit lag (44/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (6/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (82/100), climate & FEMA risk (73/100)). Structural risk reads 49/100 against active distress of 2/100.
The expansion-phase market in 12150 posted values that rose 6.6% over the year, and 26% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
On demographic stress specifically, 12150 scores 23/100. Roughly 2.1% live below the poverty line, a low share typical of higher-equity areas. Around 11% of adults hold a bachelor's degree or higher. 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. While 12150 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 12150 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 12150 stays directly comparable to neighboring ZIPs and the rest of Schenectady County, New York. Sparse data for 12150 shows as blanks, never estimates, and the score updates on every fresh public filing.
12150'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. Treat 12150 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 12150’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 12150 distress snapshot
Current distress, phase, housing and lender-pressure figures for 12150, drawn from the same report attached to each property.
Adjacent Schenectady County ZIP reports
More distress data near 12150
Additional distress intelligence spanning Schenectady County, New York by ZIP, county and state.
Unlock parcel-level detail for ZIP 12150
Every distressed parcel in 12150 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology