ZIP 59845 Foreclosure, Tax-Lien & Distress Report

Sanders County, Montana's ZIP 59845 registers 13/100 composite distress, which DLRadar reads as minimal. On the structural side it scores 26/100, with 5/100 of stress already active. The pressure is most legible in institutional ownership (31/100), structural risk (26/100), mortgage stress (16/100). mortgage stress (16/100) and construction/permit lag (5/100) stay muted.

The peak-phase market in 59845 posted values that rose 2.2% over the year, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 682 housing units. Roughly 19.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 1,228 with a median age of 52. Rent burden reaches 57% of tenant households. DLRadar's demographic-stress index for the area reads 42/100. Around 21% of adults hold a bachelor's degree or higher. Median household income is $31,458, below the U.S. median near $78,000. The typical home is worth about $191,100 (5.5× income). 70% of housing is owner-occupied. The vacancy rate is 21.8% — elevated.

Taken together, 59845 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 59845 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 59845 shows blanks, not estimates, wherever the record is sparse.

The 13/100 figure for 59845 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. Practically, 59845 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.