ZIP 13638 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, New York, ZIP 13638 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (66/100). Structurally it carries 44/100, against 5/100 of stress already in motion. What sets it apart are the readings on structural risk (44/100), institutional ownership (42/100), construction/permit lag (19/100). By contrast, construction/permit lag (19/100) and mortgage stress (18/100) register low.

The expansion-phase market in 13638 posted values that rose 11.4% over the year (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $79,750 — near the roughly $78,000 national figure. Around 0% of adults hold a bachelor's degree or higher. The tenure split is 67% owner-occupied to 33% rented. Home values center near $203,300, an affordability ratio of 2.1× — accessible. The ZIP holds roughly 96 housing units. Population is roughly 172 with a median age of 58. 12.2% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 22/100. Around 0% of renters are cost-burdened. The vacancy rate is 0.0%.

Overall 13638 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 13638 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 13638's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 13638 shows as blanks, never estimates, and the score updates on every fresh public filing.

13638's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 13638 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.