ZIP 13646 Property Distress & Foreclosure Data

St. Lawrence County, New York's ZIP 13646 registers 31/100 composite distress, which DLRadar reads as moderate. Structural risk reads 69/100 against active distress of 8/100. The most distinctive pressure shows up in structural risk (69/100), institutional ownership (64/100), construction/permit lag (48/100). By contrast, mortgage stress (26/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (83/100), climate & FEMA risk (76/100).

The market reads expansion — home values rose 6.2% year on year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 2,373 people live here, median age 43. 77% of housing is owner-occupied. The typical home is worth about $155,100 (2.0× income, relatively affordable). Vacancy runs 61.9%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 31/100. At $67,344, median income runs below typical U.S. levels. The poverty rate is 26.0% — high, a tax-stress and distress correlate. Around 27% of adults hold a bachelor's degree or higher. There are about 2,311 housing units across 13646. Rent burden reaches 24% of tenant households.

Net-net, 13646 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.