ZIP 80439 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 80439 (Clear Creek County, Colorado) at a low 21/100 for overall property distress. The latent-versus-live split is 47/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (72/100). Leading the profile are construction/permit lag (69/100), structural risk (47/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.2% off the recent peak, and 8% higher over three years (phase confidence 17/100). Falling values surface more motivated sellers and below-market exits.

89% of housing is owner-occupied. Median household income is $152,156, above the U.S. median near $78,000. About 24,877 people live here, median age 48. About 71% have a four-year degree. Home values center near $900,300, an affordability ratio of 5.5×. The vacancy rate is 8.1%. There are about 11,304 housing units across 80439. On demographic stress specifically, 80439 scores 29/100. Rent burden reaches 46% of tenant households. The poverty rate is 4.0% — low.

Net-net, 80439 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 80439 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 80439's 21/100 can be lined up against any neighbor in Clear Creek County, Colorado or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 80439 reflects the current record instead of a stale or modeled snapshot.

Behind 80439'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. The point of the 80439 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.