ZIP 13654 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
DLRadar grades ZIP 13654 (St. Lawrence County, New York) at a moderate 33/100 for overall property distress. Its standout signals are structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). By contrast, mortgage stress (27/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (90/100), climate & FEMA risk (76/100). Structural exposure scores 73 and live distress 8 on the 0–100 scale.
The market reads peak — home values rose 4.9% year on year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Median household income is $71,389, near the U.S. median near $78,000. The demographic-stress sub-score lands at 28/100. 22.5% of residents fall below the poverty threshold. Around 37% of renters are cost-burdened. There are about 1,010 housing units across 13654. Educational attainment sits at 20% bachelor's-or-above. Vacancy runs 19.4%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 2,370 with a median age of 42. Home values center near $121,600, an affordability ratio of 1.8× — accessible. The tenure split is 83% owner-occupied to 17% rented.
On the whole, 13654 leans distressed, with opportunity clustered in specific stressed parcels. While 13654 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 13654 runs hot or quiet, its 33/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 13654 can be compared directly against any other ZIP in St. Lawrence County, New York or nationwide. The score is rebuilt from public data as it updates, so 13654 reflects the current record instead of a stale or modeled snapshot.
The 33/100 for 13654 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 13654 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 13654 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 13654 by the numbers
Current distress, phase, housing and lender-pressure figures for 13654, drawn from the same report attached to each property.
Other St. Lawrence County ZIP codes
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Further distress data across St. Lawrence County, New York at ZIP, county and state level.
Unlock the full ZIP 13654 acquisition report
Open 13654 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology