ZIP 13645 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13645 (St. Lawrence County, New York) returns a moderate composite of 32/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), FEMA disaster exposure (78/100), climate & FEMA risk (76/100). Structural risk reads 71/100 against active distress of 0/100. What sets it apart are the readings on structural risk (71/100), institutional ownership (62/100), construction/permit lag (57/100).

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Overall, 13645 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 13645 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 13645's 32/100 can be lined up against any neighbor in St. Lawrence County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 13645, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 13645 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 32/100 roll-up. Practically, 13645 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.