ZIP 12305 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 12305 (Schenectady County, New York) lands at 21/100 — low on DLRadar's distress scoring. Its heaviest discrete signals: structural risk (48/100), construction/permit lag (43/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (6/100) register low. Structural exposure scores 48 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (81/100), climate & FEMA risk (73/100).

The market reads expansion — home values rose 6.6% year on year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $50,308, below the U.S. median near $78,000. Home values center near $217,500, an affordability ratio of 3.2× — accessible. Around 41% of renters are cost-burdened. There are about 3,980 housing units across 12305. Roughly 16.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 12305 scores 35/100. Educational attainment sits at 34% bachelor's-or-above. 14% of housing is owner-occupied. Population is roughly 7,764 with a median age of 34. The vacancy rate is 8.5%.

Net-net, 12305 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 12305 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 12305 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12305 can be compared directly against any other ZIP in Schenectady County, New York or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 12305 shows blanks, not estimates, wherever the record is sparse.

12305'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. The point of the 12305 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.