ZIP 12965 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
St. Lawrence County, New York's ZIP 12965 registers 33/100 composite distress, which DLRadar reads as moderate. The sharpest non-environmental signals are structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). mortgage stress (27/100) stay muted. Latent structural risk is 73/100 while live distress already moving reads 8/100. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (90/100), climate & FEMA risk (76/100).
The peak-phase market in 12965 posted values that rose 4.9% over the year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
At $63,214, median income runs below typical U.S. levels. A median home runs $105,200 here, or 1.4 times local income. Vacancy runs 19.8%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 19% bachelor's-or-above. Around 23% of renters are cost-burdened. 281 residents call 12965 home, typically aged 47. The ZIP holds roughly 181 housing units. DLRadar's demographic-stress index for the area reads 22/100. Roughly 15.3% live below the poverty line. The tenure split is 85% owner-occupied to 15% rented.
Net-net, 12965 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 12965 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in St. Lawrence County, New York and the nation. Nothing here is interpolated — where a source is thin for 12965, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Behind 12965's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 12965 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 12965 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 12965 distress snapshot
A live read on 12965: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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See every distressed parcel in 12965
See who owns each distressed property in 12965, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology