ZIP 81004 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 81004 (Pueblo County, Colorado) at a moderate 42/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (65/100), insurance pressure (42/100). On the quiet end sit price dislocation (25/100) and mortgage stress (3/100). The split runs 65/100 structural to 1/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (83/100).

The contraction-phase market in 81004 posted values that fell 3.7% over the year, 4.3% off the recent peak, and 9% lower over three years, at 62/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

At $48,620, median income runs below typical U.S. levels. 57% of housing is owner-occupied. The ZIP holds roughly 12,549 housing units. Rent burden reaches 38% of tenant households. On demographic stress specifically, 81004 scores 35/100. About 20% have a four-year degree. Roughly 22.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 26,362 people live here, median age 39. A median home runs $213,700 here, or 3.7 times local income. Vacancy runs 9.6%.

Taken together, 81004 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 81004 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 81004 runs hot or quiet, its 42/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81004 can be compared directly against any other ZIP in Pueblo County, Colorado or nationwide. 81004 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 42/100 figure for 81004 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 a buyer, 81004 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.