ZIP 59412 Foreclosure, Tax-Lien & Distress Report

ZIP 59412's composite property-distress score is 13/100 - DLRadar classes that as minimal for Cascade County, Montana. Leading the profile are structural risk (27/100), construction/permit lag (5/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). On the structural side it scores 27/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (82/100).

The market reads expansion — home values rose 6.9% year on year, 2.3% off the recent peak, and 47% higher over three years, at 71/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 32% bachelor's-or-above. About 1,450 people live here, median age 43. DLRadar's demographic-stress index for the area reads 30/100. The typical home is worth about $250,700 (2.8× income, relatively affordable). Rent burden reaches 49% of tenant households. The tenure split is 79% owner-occupied to 21% rented. Roughly 9.3% live below the poverty line. The vacancy rate is 28.3% — elevated. Households earn a median $83,409 — near the roughly $78,000 national figure. The ZIP holds roughly 837 housing units.

Net-net, 59412 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 59412 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 59412 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 59412 can be compared directly against any other ZIP in Cascade County, Montana or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 59412 shows blanks, not estimates, wherever the record is sparse.

59412'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. Treat 59412 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.