ZIP 12304 Foreclosure, Tax-Lien & Distress Report
Schenectady County, New York · High Poverty market
Composite property distress in 12304 (Schenectady County, New York) lands at 24/100 — low on DLRadar's public-record scoring. Structurally it carries 56/100, against 2/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (78/100), climate & FEMA risk (77/100)). What sets it apart are the readings on construction/permit lag (69/100), structural risk (56/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted.
The expansion-phase market in 12304 posted values that rose 6.6% over the year, and 28% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The ZIP holds roughly 9,495 housing units. Owners hold 60% of homes, renters 40%. Vacancy runs 2.4%. 20.4% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 31/100. Around 46% of renters are cost-burdened. Population is roughly 22,027 with a median age of 42. Educational attainment sits at 25% bachelor's-or-above. A median home runs $179,200 here, or 2.5 times local income. At $67,688, median income runs below typical U.S. levels.
On the whole, 12304 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12304 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Whether 12304 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12304 can be compared directly against any other ZIP in Schenectady County, New York or nationwide. Sparse data for 12304 shows as blanks, never estimates, and the score updates on every fresh public filing.
12304's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12304 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 12304’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 listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 12304 distress snapshot
Current distress, phase, housing and lender-pressure figures for 12304, drawn from the same report attached to each property.
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Each signal above is traceable to an open dataset · methodology