ZIP 13630 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 13630 (St. Lawrence County, New York) at a moderate 31/100 for overall property distress. What sets it apart are the readings on structural risk (68/100), institutional ownership (59/100), construction/permit lag (52/100). By contrast, mortgage stress (27/100) register low. Structural exposure scores 68 and live distress 8 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (76/100), FEMA disaster exposure (74/100).

The peak-phase market in 13630 posted values that rose 4.9% over the year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

5.6% of residents fall below the poverty threshold. 1,307 residents call 13630 home, typically aged 42. Rent burden reaches 0% of tenant households. The typical home is worth about $92,700 (1.3× income, relatively affordable). There are about 408 housing units across 13630. On demographic stress specifically, 13630 scores 16/100. Median household income is $67,000, below the U.S. median near $78,000. The vacancy rate is 9.4%. Around 15% of adults hold a bachelor's degree or higher. Owners hold 95% of homes, renters 5%.

Overall, 13630 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 13630 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 13630 read uses the identical scoring model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 13630 stays directly comparable to neighboring ZIPs and the rest of St. Lawrence County, New York. Nothing here is interpolated — where a source is thin for 13630, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 13630'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. Treat 13630 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.