ZIP 81090 Foreclosure, Tax-Lien & Distress Report

ZIP 81090's composite property-distress score is 3/100 - DLRadar classes that as minimal for Baca County, Colorado. Its heaviest discrete signals: structural risk (6/100), mortgage stress (4/100), institutional ownership (3/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. The split runs 6/100 structural to 1/100 active on the ground.

The market reads peak — home values rose 2.2% year on year, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 26.4% — elevated. Rent burden reaches 19% of tenant households. The tenure split is 74% owner-occupied to 26% rented. The demographic-stress sub-score lands at 35/100. Home values center near $155,100, an affordability ratio of 4.3×. There are about 599 housing units across 81090. About 765 people live here, median age 57. Educational attainment sits at 27% bachelor's-or-above. At $35,227, median income runs below typical U.S. levels. Roughly 31.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 81090 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 81090 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, 81090's 3/100 can be lined up against any neighbor in Baca County, Colorado or any ZIP coast to coast. 81090 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 3/100 figure for 81090 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, 81090 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.