ZIP 13681 Foreclosure, Tax-Lien & Distress Report
St. Lawrence County, New York · High Vacancy market
ZIP code 13681 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. The sharpest non-environmental signals are structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). mortgage stress (27/100) stay muted. Environmental exposure also runs high (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.
Prices here sit in a peak phase: values rose 4.9% over the trailing year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.
82% of housing is owner-occupied. On demographic stress specifically, 13681 scores 29/100. Median household income is $46,797, below the U.S. median near $78,000. The ZIP holds roughly 421 housing units. The poverty rate is 20.5% — high, a tax-stress and distress correlate. About 8% have a four-year degree. Population is roughly 941 with a median age of 34. A median home runs $89,700 here, or 1.6 times local income. Around 48% of renters are cost-burdened. The vacancy rate is 17.1% — elevated.
Taken together, 13681 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 13681 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 13681 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 13681 reflects the current record instead of a stale or modeled snapshot.
The 33/100 figure for 13681 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. For an operator, 13681 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 13681
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 13681 distress snapshot
Current distress, phase, housing and lender-pressure figures for 13681, drawn from the same report attached to each property.
Adjacent St. Lawrence County ZIP reports
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Open 13681 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