ZIP 13651 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, New York, ZIP 13651 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 46/100, against 5/100 of stress already in motion. The most distinctive pressure shows up in structural risk (46/100), institutional ownership (44/100), mortgage stress (18/100). mortgage stress (18/100) and construction/permit lag (14/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (66/100), FEMA disaster exposure (60/100).

Prices here sit in a expansion phase: values rose 11.4% over the trailing year, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

4.7% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 35/100. The tenure split is 100% owner-occupied to 0% rented. The ZIP holds roughly 142 housing units. At $98,333, median income runs above typical U.S. levels. 127 residents call 13651 home, typically aged 69. Vacancy runs 48.3%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $332,400 (3.4× income, relatively affordable). Educational attainment sits at 59% bachelor's-or-above.

Net-net, 13651 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 13651 is not published yet -- the ZIP-level readings above remain fully sourced.

The 13651 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 13651 stays directly comparable to neighboring ZIPs and the rest of Jefferson County, New York. Where the record is thin for 13651, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 13651 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 13651 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.