ZIP 12965 Property Distress & Foreclosure Data

DLRadar grades ZIP 12965 (St. Lawrence County, New York) at a moderate 31/100 for overall property distress. Property-level stress concentrates in structural risk (70/100), institutional ownership (65/100), construction/permit lag (49/100). By contrast, mortgage stress (27/100) register low. The latent-versus-live split is 70/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), FEMA disaster exposure (83/100), climate & FEMA risk (76/100).

The market reads expansion — home values rose 6.3% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $63,214, median income runs below typical U.S. levels. The typical home is worth about $105,200 (1.4× income, relatively affordable). The vacancy rate is 19.8% — elevated. Around 19% of adults hold a bachelor's degree or higher. Around 23% of renters are cost-burdened. About 281 people live here, median age 47. The ZIP holds roughly 181 housing units. The demographic-stress sub-score lands at 22/100. The poverty rate is 15.3%. 85% of housing is owner-occupied.

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.