ZIP 12308 Property Distress & Foreclosure Data

Composite property distress in 12308 (Schenectady County, New York) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (73/100), flood (NFIP) exposure (64/100). The sharpest non-environmental signals are construction/permit lag (76/100), structural risk (53/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Structural risk reads 53/100 against active distress of 2/100.

The market reads expansion — home values rose 5.6% year on year, and 26% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 13,985 people live here, median age 35. 44% of housing is owner-occupied. The typical home is worth about $211,900 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 33/100. At $59,789, median income runs below typical U.S. levels. Vacancy runs 7.6%. Around 30% of adults hold a bachelor's degree or higher. There are about 6,718 housing units across 12308. The poverty rate is 17.8% — high, a tax-stress and distress correlate. Rent burden reaches 46% of tenant households.

Net-net, 12308 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.