ZIP 13612 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13612 (Jefferson County, New York) lands at 21/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (66/100), FEMA disaster exposure (60/100)). Latent structural risk is 46/100 while live distress already moving reads 5/100. Leading the profile are structural risk (46/100), institutional ownership (44/100), mortgage stress (18/100). On the quiet end sit mortgage stress (18/100) and construction/permit lag (14/100).

Prices here sit in a expansion phase: values rose 11.4% over the trailing year, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $67,106 — below the roughly $78,000 national figure. The poverty rate is 14.7%. The demographic-stress sub-score lands at 31/100. There are about 1,363 housing units across 13612. 69% of housing is owner-occupied. About 24% have a four-year degree. 2,940 residents call 13612 home, typically aged 43. A median home runs $203,700 here, or 2.9 times local income. Rent burden reaches 45% of tenant households. Vacancy runs 15.0%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 13612 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.

Whether 13612 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 13612 can be compared directly against any other ZIP in Jefferson County, New York or nationwide. The score is rebuilt from public data as it updates, so 13612 reflects the current record instead of a stale or modeled snapshot.

Behind 13612'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 a buyer, 13612 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.