ZIP 13639 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 13639 in St. Lawrence County, New York comes in at 31, a moderate composite-distress reading. The latent-versus-live split is 68/100 structural and 8/100 already moving. 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. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (76/100), FEMA disaster exposure (74/100).
Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
The typical home is worth about $52,300. Vacancy runs 20.0%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 0% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 60/100. The poverty rate is 13.0%. The ZIP holds roughly 29 housing units. Median household income is $21,346, below the U.S. median near $78,000. The tenure split is 100% owner-occupied to 0% rented. About 23 people live here, median age 72.
Net-net, 13639 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 13639 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 13639, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 31/100 figure for 13639 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, 13639 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.
What is driving ZIP 13639’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 13639 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 13639, the same set carried on every parcel.
Neighbouring ZIPs in St. Lawrence County
Nearest ZIP codes to 13639
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
More ZIP, county and state distress intelligence connected to St. Lawrence County, New York.
Get the full acquisition report for 13639
Open 13639 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology