ZIP 59864 Property Distress & Foreclosure Data

ZIP code 59864 in Lake County, Montana carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (66/100). What sets it apart are the readings on structural risk (25/100), construction/permit lag (18/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structural risk reads 25/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 29% higher over three years, at 41/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $297,700 (4.5× income). At $60,305, median income runs below typical U.S. levels. There are about 2,872 housing units across 59864. Rent burden reaches 30% of tenant households. 7,399 residents call 59864 home, typically aged 37. Around 23% of adults hold a bachelor's degree or higher. Vacancy runs 12.5%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 36/100. 68% of housing is owner-occupied. The poverty rate is 23.7% — high, a tax-stress and distress correlate.

Taken together, 59864 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.