ZIP 59312 Foreclosure, Tax-Lien & Distress Report

Garfield County, Montana's ZIP 59312 registers 6/100 composite distress, which DLRadar reads as minimal. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100). Its standout signals are institutional ownership (17/100), structural risk (15/100). On the quiet end sit institutional ownership (17/100) and structural risk (15/100). Structural risk reads 15/100 against active distress of 0/100.

The market reads peak — home values rose 2.2% year on year, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 33.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 100% of homes, renters 0%. The ZIP holds roughly 18 housing units. Population is roughly 9 with a median age of 68. The vacancy rate is 81.0% — elevated. Around 0% of adults hold a bachelor's degree or higher. On demographic stress specifically, 59312 scores 70/100.

On the whole, 59312 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 59312 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 6/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 59312 shows blanks, not estimates, wherever the record is sparse.

The 6/100 for 59312 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 59312 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.