ZIP 59864 Foreclosure, Tax-Lien & Distress Report
Lake County, Montana · High Vacancy market
Composite property distress in 59864 (Lake County, Montana) lands at 10/100 — minimal on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (66/100)). The pressure is most legible in structural risk (20/100), mortgage stress (6/100), institutional ownership (3/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. The latent-versus-live split is 20/100 structural and 2/100 already moving.
The peak-phase market in 59864 posted values that rose 2.2% over the year, and 29% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Home values center near $297,700, an affordability ratio of 4.5×. At $60,305, median income runs below typical U.S. levels. The ZIP holds roughly 2,872 housing units. Rent burden reaches 30% of tenant households. About 7,399 people live here, median age 37. Educational attainment sits at 23% bachelor's-or-above. The vacancy rate is 12.5% — elevated. DLRadar's demographic-stress index for the area reads 36/100. 68% of housing is owner-occupied. 23.7% of residents fall below the poverty threshold.
Net-net, 59864 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 59864 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 59864 read uses the identical scoring model applied coast to coast, which means its 10/100 score means exactly what it means anywhere else, and 59864 stays directly comparable to neighboring ZIPs and the rest of Lake County, Montana. Sparse data for 59864 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 10/100 figure for 59864 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. For an operator, 59864 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 59864’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 59864 by the numbers
59864 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Nearby ZIPs in Lake County
Nearest ZIP codes to 59864
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Lake County, Montana.
Open the complete 59864 acquisition file
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Each signal above is traceable to an open dataset · methodology