ZIP 13697 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13697 (St. Lawrence County, New York) returns a moderate composite of 33/100. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (90/100), climate & FEMA risk (76/100). Its heaviest discrete signals: structural risk (73/100), institutional ownership (64/100), construction/permit lag (57/100). mortgage stress (27/100) stay muted. Latent structural risk is 73/100 while live distress already moving reads 8/100.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Topping markets hide individual distress behind strong averages.

Population is roughly 1,951 with a median age of 43. Median household income is $73,324, near the U.S. median near $78,000. The ZIP holds roughly 831 housing units. Owners hold 80% of homes, renters 20%. The demographic-stress sub-score lands at 21/100. Around 22% of renters are cost-burdened. The typical home is worth about $128,100 (2.0× income, relatively affordable). 7.1% of residents fall below the poverty threshold. Vacancy runs 3.1%. About 19% have a four-year degree.

Overall, 13697 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 13697 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 13697 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in St. Lawrence County, New York and the nation. The score is rebuilt from public data as it updates, so 13697 reflects the current record instead of a stale or modeled snapshot.

13697's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 13697 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.