ZIP 59840 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 59840 (Ravalli County, Montana) lands at 17/100 — low on DLRadar's public-record scoring. On the structural side it scores 36/100, with 1/100 of stress already active. Its heaviest discrete signals: construction/permit lag (47/100), structural risk (36/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (78/100).

The market reads peak — home values rose 2.2% year on year, and 11% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $428,100, an affordability ratio of 6.2×. On demographic stress specifically, 59840 scores 37/100. The ZIP holds roughly 7,640 housing units. Around 37% of renters are cost-burdened. Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. Around 33% of adults hold a bachelor's degree or higher. The tenure split is 69% owner-occupied to 31% rented. Households earn a median $64,493 — below the roughly $78,000 national figure. 14,775 residents call 59840 home, typically aged 49. The poverty rate is 10.2%.

On balance 59840 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 59840 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 59840 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 59840 can be compared directly against any other ZIP in Ravalli County, Montana or nationwide. Sparse data for 59840 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 59840's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 59840 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.