ZIP 13651 Property Distress & Foreclosure Data

ZIP code 13651 in Jefferson County, New York carries a composite property-distress score of 39/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 42 and live distress 5 on the 0–100 scale. What sets it apart are the readings on insurance pressure (55/100), price dislocation (50/100), structural risk (42/100). construction/permit lag (27/100) and mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (73/100), climate & FEMA risk (66/100).

Prices here sit in a contraction phase: values fell 3.2% over the trailing year, 7.2% off the recent peak, at 78/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 13651 scores 24/100. The tenure split is 100% owner-occupied to 0% rented. There are about 142 housing units across 13651. Households earn a median $98,333 — above the roughly $78,000 national figure. 127 residents call 13651 home, typically aged 69. Vacancy runs 48.3%, above the national norm and a classic distress-and-opportunity signal. A median home runs $332,400 here, or 3.4 times local income. About 59% have a four-year degree.

Taken together, 13651 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.