ZIP 13646 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
St. Lawrence County, New York's ZIP 13646 registers 33/100 composite distress, which DLRadar reads as moderate. The latent-versus-live split is 73/100 structural and 8/100 already moving. The most distinctive pressure shows up in structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). By contrast, mortgage stress (26/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (94/100), flood (NFIP) exposure (89/100), climate & FEMA risk (76/100).
The market reads peak — home values rose 5.0% year on year (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 2,373 people live here, median age 43. Owners hold 77% of homes, renters 23%. The typical home is worth about $155,100 (2.0× income, relatively affordable). The vacancy rate is 61.9% — elevated. On demographic stress specifically, 13646 scores 31/100. At $67,344, median income runs below typical U.S. levels. Roughly 26.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 27% have a four-year degree. There are about 2,311 housing units across 13646. Rent burden reaches 24% of tenant households.
Taken together, 13646 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 13646 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 13646's 33/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 13646 shows as blanks, never estimates, and the score updates on every fresh public filing.
Behind 13646'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. For a buyer, 13646 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.
Signal-by-signal read on 13646
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 13646 distress snapshot
A live read on 13646: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent St. Lawrence County ZIP reports
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