ZIP 59640 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 59640 in Lewis And Clark County, Montana comes in at 19, a low composite-distress reading. The latent-versus-live split is 39/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (74/100), FEMA disaster exposure (71/100). The sharpest non-environmental signals are structural risk (39/100), institutional ownership (34/100), mortgage stress (15/100). mortgage stress (15/100) and construction/permit lag (2/100) stay muted.

The market reads contraction — home values fell 2.8% year on year, 2.8% off the recent peak, at 71/100 phase confidence. A cooling market tends to open discount-to-value windows.

Owners hold 72% of homes, renters 28%. A median home runs $287,500 here, or 2.9 times local income. Vacancy runs 25.4%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. Population is roughly 105 with a median age of 61. The ZIP holds roughly 58 housing units. Median household income is $95,250, above the U.S. median near $78,000. Educational attainment sits at 42% bachelor's-or-above. The poverty rate is 3.8% — low. The demographic-stress sub-score lands at 21/100.

Net-net, 59640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 59640 at the moment; the composite and its components are still built from verifiable public records.

Whether 59640 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 59640 can be compared directly against any other ZIP in Lewis And Clark County, Montana or nationwide. The score is rebuilt from public data as it updates, so 59640 reflects the current record instead of a stale or modeled snapshot.

59640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 59640 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.