ZIP 80428 Foreclosure, Tax-Lien & Distress Report

ZIP 80428's composite property-distress score is 15/100 - DLRadar classes that as low for Routt County, Colorado. Its standout signals are construction/permit lag (86/100), structural risk (35/100), mortgage stress (8/100). mortgage stress (8/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 35/100 structural and 2/100 already moving.

The contraction-phase market in 80428 posted values that held roughly flat over the year (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Home values center near $829,700, an affordability ratio of 7.0×. Median household income is $103,750, above the U.S. median near $78,000. Population is roughly 635 with a median age of 40. 84% of housing is owner-occupied. Vacancy runs 49.7%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 47/100. Educational attainment sits at 33% bachelor's-or-above. Roughly 22.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 474 housing units across 80428. Rent burden reaches 53% of tenant households.

Taken together, 80428 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 80428 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 80428 runs through one identical scoring model, so its 15/100 sits on the same scale as every other ZIP in Routt County, Colorado and the nation. Sparse data for 80428 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 80428 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 80428 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.