ZIP 13634 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, New York, ZIP 13634 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are 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. Structurally it carries 41/100, against 5/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (66/100), FEMA disaster exposure (65/100).

Prices here sit in a expansion phase: values rose 11.4% over the trailing year, and 27% higher over three years, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 7.7%. 82% of housing is owner-occupied. Households earn a median $90,461 — above the roughly $78,000 national figure. Rent burden reaches 47% of tenant households. Vacancy runs 24.1%, above the national norm and a classic distress-and-opportunity signal. Around 25% of adults hold a bachelor's degree or higher. About 3,866 people live here, median age 44. On demographic stress specifically, 13634 scores 28/100. The ZIP holds roughly 2,076 housing units. A median home runs $225,500 here, or 2.4 times local income.

Taken together, 13634 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 13634 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 13634's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 13634 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

13634's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 13634 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.