ZIP 59638 Foreclosure, Tax-Lien & Distress Report

Jefferson County, Montana's ZIP 59638 registers 14/100 composite distress, which DLRadar reads as minimal. The latent-versus-live split is 32/100 structural and 0/100 already moving. What sets it apart are the readings on construction/permit lag (86/100), structural risk (32/100), institutional ownership (14/100). By contrast, structural risk (32/100) and institutional ownership (14/100) register low.

The market reads contraction — home values fell 2.8% year on year, 2.8% off the recent peak, and 34% higher over three years (phase confidence 71/100). Falling values surface more motivated sellers and below-market exits.

Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 98% owner-occupied to 2% rented. Around 0% of renters are cost-burdened. The vacancy rate is 0.0%. 511 residents call 59638 home, typically aged 53. The ZIP holds roughly 271 housing units. Educational attainment sits at 31% bachelor's-or-above. Median household income is $73,375, near the U.S. median near $78,000. The demographic-stress sub-score lands at 19/100.

On the whole, 59638 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.

Whether 59638 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 59638 can be compared directly against any other ZIP in Jefferson County, Montana or nationwide. Sparse data for 59638 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 14/100 figure for 59638 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 59638 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.