ZIP 80731 Foreclosure, Tax-Lien & Distress Report

In Phillips County, Colorado, ZIP 80731 scores 11 of 100 for composite distress, a minimal level on DLRadar's public-record index. Latent structural risk is 26/100 while live distress already moving reads 1/100. The pressure is most legible in construction/permit lag (65/100), structural risk (26/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).

The peak-phase market in 80731 posted values that rose 1.5% over the year, and 25% higher over three years (phase confidence 16/100). Topping markets hide individual distress behind strong averages.

Households earn a median $70,000 — near the roughly $78,000 national figure. Roughly 20.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 25% of renters are cost-burdened. Vacancy runs 8.2%. 1,484 residents call 80731 home, typically aged 45. Owners hold 76% of homes, renters 24%. The ZIP holds roughly 736 housing units. On demographic stress specifically, 80731 scores 28/100. Educational attainment sits at 29% bachelor's-or-above. Home values center near $235,300, an affordability ratio of 3.3× — accessible.

Net-net, 80731 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 80731 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 80731 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 11/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 80731, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 80731 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 11/100 roll-up. For an operator, 80731 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.