ZIP 13697 Property Distress & Foreclosure Data

ZIP code 13697 in St. Lawrence County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), FEMA disaster exposure (83/100), climate & FEMA risk (76/100). What sets it apart are the readings on structural risk (70/100), institutional ownership (65/100), construction/permit lag (49/100). By contrast, mortgage stress (27/100) register low. Structural risk reads 70/100 against active distress of 8/100.

The market reads expansion — home values rose 6.3% year on year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 1,951 people live here, median age 43. At $73,324, median income runs near typical U.S. levels. There are about 831 housing units across 13697. 80% of housing is owner-occupied. The demographic-stress sub-score lands at 21/100. Rent burden reaches 22% of tenant households. The typical home is worth about $128,100 (2.0× income, relatively affordable). The poverty rate is 7.1% — low. Vacancy runs 3.1%. Around 19% of adults hold a bachelor's degree or higher.

Net-net, 13697 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.