ZIP 12177 Foreclosure, Tax-Lien & Distress Report

ZIP code 12177 in Montgomery County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record 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 10/100. 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.