ZIP 59412 Foreclosure, Tax-Lien & Distress Report

Cascade County, Montana's ZIP 59412 registers 17/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (40/100), structural risk (36/100), institutional ownership (4/100). By contrast, institutional ownership (4/100) and mortgage stress (3/100) register low. On the structural side it scores 36/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (82/100).

The market reads contraction — home values held roughly flat year on year, 3.9% off the recent peak, and 47% higher over three years (phase confidence 31/100). A cooling market tends to open discount-to-value windows.

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. Home values center near $250,700, an affordability ratio of 2.8× — accessible. Around 49% of renters are cost-burdened. Owners hold 79% of homes, renters 21%. 9.3% of residents fall below the poverty threshold. The vacancy rate is 28.3% — elevated. Median household income is $83,409, near the U.S. median near $78,000. The ZIP holds roughly 837 housing units.

Net-net, 59412 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.