ZIP 12973 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
St. Lawrence County, New York's ZIP 12973 registers 31/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), FEMA disaster exposure (84/100), climate & FEMA risk (76/100). The pressure is most legible in structural risk (70/100), institutional ownership (60/100), construction/permit lag (52/100). On the quiet end sit mortgage stress (27/100). Latent structural risk is 70/100 while live distress already moving reads 8/100.
The peak-phase market in 12973 posted values that rose 4.9% over the year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
At $86,875, median income runs near typical U.S. levels. About 136 people live here, median age 39. Owners hold 100% of homes, renters 0%. The vacancy rate is 43.3% — elevated. 8.8% of residents fall below the poverty threshold. The typical home is worth about $106,300 (1.1× income, relatively affordable). There are about 109 housing units across 12973. Educational attainment sits at 10% bachelor's-or-above. On demographic stress specifically, 12973 scores 34/100.
On the whole, 12973 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 12973's 31/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 12973 shows blanks, not estimates, wherever the record is sparse.
Behind 12973'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. In workflow terms, 12973 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 12973’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
12973 at a glance
A live read on 12973: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
St. Lawrence County ZIPs near 12973
Nearest ZIP codes to 12973
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Additional distress intelligence spanning St. Lawrence County, New York by ZIP, county and state.
See every distressed parcel in 12973
Every distressed parcel in 12973 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology