ZIP 13676 Foreclosure, Tax-Lien & Distress Report

ZIP code 13676 in St. Lawrence County, New York carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — 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 most distinctive pressure shows up in structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). By contrast, mortgage stress (27/100) register low.

The market reads peak — home values rose 4.9% year on year, and 14% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 6,018 housing units. 17.3% of residents fall below the poverty threshold. Median household income is $56,900, below the U.S. median near $78,000. Educational attainment sits at 40% bachelor's-or-above. 60% of housing is owner-occupied. The typical home is worth about $160,200 (2.6× income, relatively affordable). Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 13676 scores 32/100. Rent burden reaches 58% of tenant households. Population is roughly 13,408 with a median age of 31.

Net-net, 13676 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 13676 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 13676 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 13676 can be compared directly against any other ZIP in St. Lawrence County, New York or nationwide. Where the public record is thin for 13676, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 for 13676 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 13676 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.