ZIP 13641 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13641 (Jefferson County, New York) lands at 20/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (66/100), FEMA disaster exposure (65/100). Structural exposure scores 41 and live distress 5 on the 0–100 scale. What sets it apart are the readings on structural risk (41/100), institutional ownership (40/100), construction/permit lag (19/100). By contrast, construction/permit lag (19/100) and mortgage stress (18/100) register low.

The expansion-phase market in 13641 posted values that rose 11.4% over the year, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Educational attainment sits at 42% bachelor's-or-above. Home values center near $337,500, an affordability ratio of 5.5×. Households earn a median $58,875 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 36/100. 69 residents call 13641 home, typically aged 69. Vacancy runs 82.9%, above the national norm and a classic distress-and-opportunity signal. Owners hold 100% of homes, renters 0%. 0.0% of residents fall below the poverty threshold. There are about 270 housing units across 13641.

On the whole, 13641 leans distressed, with opportunity clustered in specific stressed parcels. While 13641 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 13641 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13641 can be compared directly against any other ZIP in Jefferson County, New York or nationwide. Sparse data for 13641 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 13641'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 13641 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.