ZIP 59846 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 59846 in Missoula County, Montana comes in at 15, a low composite-distress reading. Structurally it carries 32/100, against 1/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (81/100). 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).

The market reads peak — home values held roughly flat year on year, 1.8% off the recent peak, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 100% of homes, renters 0%. Around 35% of adults hold a bachelor's degree or higher. The poverty rate is 2.6% — low. Vacancy runs 20.8%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 32/100. There are about 732 housing units across 59846. The typical home is worth about $461,200 (5.8× income). 1,238 residents call 59846 home, typically aged 60. At $68,707, median income runs near typical U.S. levels.

Net-net, 59846 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 59846 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 59846 read uses the identical public-record model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 59846 stays directly comparable to neighboring ZIPs and the rest of Missoula County, Montana. Every figure is auditable to a public dataset and refreshed on ingest; 59846 shows blanks, not estimates, wherever the record is sparse.

Behind 59846'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, 59846 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.