ZIP 59804 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 59804 (Missoula County, Montana) returns a low composite of 15/100. The latent-versus-live split is 32/100 structural and 1/100 already moving. The sharpest non-environmental signals are structural risk (32/100), construction/permit lag (27/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (81/100)).

The peak-phase market in 59804 posted values that held roughly flat over the year, 1.8% off the recent peak, and 21% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $588,400, an affordability ratio of 6.8×. On demographic stress specifically, 59804 scores 36/100. Owners hold 65% of homes, renters 35%. There are about 3,481 housing units across 59804. About 7,942 people live here, median age 47. About 47% have a four-year degree. Vacancy runs 3.6%. Median household income is $74,877, near the U.S. median near $78,000. Rent burden reaches 35% of tenant households. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas.

On balance 59804 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 59804 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 59804 runs hot or quiet, its 15/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 59804 can be compared directly against any other ZIP in Missoula County, Montana or nationwide. Where the public record is thin for 59804, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 figure for 59804 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. In workflow terms, 59804 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.