ZIP 13628 Foreclosure, Tax-Lien & Distress Report

Jefferson County, New York's ZIP 13628 registers 20/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 41/100 structural and 5/100 already moving. Environmental exposure also runs high (climate & FEMA risk (66/100), FEMA disaster exposure (65/100)). Property-level stress concentrates in structural risk (41/100), institutional ownership (40/100), construction/permit lag (19/100). construction/permit lag (19/100) and mortgage stress (18/100) stay muted.

The market reads expansion — home values rose 11.4% year on year, at 100/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 148 housing units. Median household income is $53,750, below the U.S. median near $78,000. 185 residents call 13628 home, typically aged 26. Around 29% of renters are cost-burdened. The tenure split is 78% owner-occupied to 22% rented. The demographic-stress sub-score lands at 26/100. A median home runs $129,700 here, or 2.2 times local income. The poverty rate is 18.9% — high, a tax-stress and distress correlate. Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal. About 32% have a four-year degree.

On the whole, 13628 leans distressed, with opportunity clustered in specific stressed parcels. While 13628 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 13628 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Jefferson County, New York and the nation. Nothing here is interpolated — where a source is thin for 13628, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 13628 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 13628 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.