ZIP 13615 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, New York, ZIP 13615 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 41/100, against 5/100 of stress already in motion. The most distinctive pressure shows up in structural risk (41/100), institutional ownership (40/100), construction/permit lag (19/100). By contrast, construction/permit lag (19/100) and mortgage stress (18/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (66/100), FEMA disaster exposure (65/100).

The expansion-phase market in 13615 posted values that rose 11.4% over the year (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

538 residents call 13615 home, typically aged 52. The vacancy rate is 19.5% — elevated. The poverty rate is 3.6% — low. Owners hold 74% of homes, renters 26%. DLRadar's demographic-stress index for the area reads 23/100. Educational attainment sits at 24% bachelor's-or-above. Home values center near $192,300, an affordability ratio of 2.3× — accessible. Households earn a median $78,750 — near the roughly $78,000 national figure. There are about 339 housing units across 13615. Around 20% of renters are cost-burdened.

Taken together, 13615 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 13615 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 13615 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 13615 shows as blanks, never estimates, and the score updates on every fresh public filing.

13615's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 13615 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.