ZIP 12177 Foreclosure, Tax-Lien & Distress Report
Montgomery County, New York · Distress market
ZIP code 12177 in Montgomery County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 45/100 structural and 0/100 already moving. Leading the profile are construction/permit lag (100/100), structural risk (45/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (63/100).
The peak-phase market in 12177 posted values that rose 4.9% over the year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $89,890 — above the roughly $78,000 national figure. On demographic stress specifically, 12177 scores 37/100. The tenure split is 95% owner-occupied to 5% rented. Around 0% of renters are cost-burdened. Vacancy runs 0.0%. There are about 151 housing units across 12177. Around 42% of adults hold a bachelor's degree or higher. The poverty rate is 0.0% — low. Population is roughly 361 with a median age of 48.
Overall 12177 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 12177's 20/100 can be lined up against any neighbor in Montgomery County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12177, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 20/100 figure for 12177 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 12177 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.
Signal-by-signal read on 12177
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 12177 by the numbers
The live 12177 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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More distress data near 12177
Additional distress intelligence spanning Montgomery County, New York by ZIP, county and state.
Get the full acquisition report for 12177
The full 12177 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology