ZIP 13650 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 13650 (Jefferson County, New York) returns a low composite of 21/100. What sets it apart are the readings on structural risk (46/100), institutional ownership (44/100), mortgage stress (18/100). mortgage stress (18/100) and construction/permit lag (14/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (66/100), FEMA disaster exposure (60/100). The latent-versus-live split is 46/100 structural and 5/100 already moving.

The expansion-phase market in 13650 posted values that rose 11.4% over the year, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,553 housing units. The demographic-stress sub-score lands at 34/100. At $91,458, median income runs above typical U.S. levels. 1,268 residents call 13650 home, typically aged 57. A median home runs $209,100 here, or 2.3 times local income. About 27% have a four-year degree. Roughly 16.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 78% of housing is owner-occupied. Around 53% of renters are cost-burdened. Vacancy runs 61.4%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 13650 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13650 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 13650 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13650 can be compared directly against any other ZIP in Jefferson County, New York or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 13650 shows blanks, not estimates, wherever the record is sparse.

Behind 13650'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, 13650 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.