Lake County, CO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Colorado? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 80461 at 14/100.
- 2 ZIP codes tracked in Lake County, averaging 14/100 distress.
- Lake County reads contraction — home values down 0.3% year over year, 0.7% off peak.
- Vacancy runs 24.4% across Lake County's tracked ZIPs, with a 9% poverty rate.
- The typical Lake County home is worth about $565,500 against a ~$93,349 median income.
- Lending headwind in Lake County sits at 19/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 80461 | 14/100 |
| 2 | 81251 | 14/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County's placement in the national index rests on public filings — a 14/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Lake County market phase and pricing
Lake County reads contraction — home prices fell 0.3% over the last year and are 0.7% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
What is the hardest-hit ZIP in Lake County?
ZIP 80461 leads Lake County at 14/100, recomputed monthly from public records.
Where is Lake County in the housing cycle?
The market phase for Lake County is contraction, prices falling 0.3% on the year — derived from the FHFA House Price Index path.
Can the Lake County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 2 Lake County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Lake County ZIP codes?
One county number flattens a wide range. Across the Lake County ZIPs DLRadar ranks, scores run from 14/100 in 80461 down to 14/100 in 81251, against a Lake County average of 14/100. With 0 points between best and worst, county-level targeting in Lake County wastes effort.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $565,500 of value against a median household income near $93,349. Vacancy across Lake County's tracked ZIPs runs 24.4% and the poverty rate is 9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Lake County's foreclosure and lien filings and its 19/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.