ZIP 81137 Foreclosure, Tax-Lien & Distress Report

ZIP code 81137 in La Plata County, Colorado carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. The split runs 65/100 structural to 4/100 active on the ground. Climate and flood risk are elevated too — flood (NFIP) exposure (79/100), climate & FEMA risk (77/100). The sharpest non-environmental signals are construction/permit lag (94/100), structural risk (65/100), institutional ownership (24/100). institutional ownership (24/100) and mortgage stress (12/100) stay muted.

The market reads peak — home values rose 1.1% year on year, 1.0% off the recent peak, and 12% higher over three years, at 13/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $335,300 here, or 4.8 times local income. 74% of housing is owner-occupied. 5,662 residents call 81137 home, typically aged 44. Median household income is $64,226, below the U.S. median near $78,000. The poverty rate is 15.4%. Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 36/100. The ZIP holds roughly 2,546 housing units. Rent burden reaches 43% of tenant households. Educational attainment sits at 22% bachelor's-or-above.

On the whole, 81137 leans distressed, with opportunity clustered in specific stressed parcels. 81137 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 81137 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81137 can be compared directly against any other ZIP in La Plata County, Colorado or nationwide. Nothing here is interpolated — where a source is thin for 81137, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 81137 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. Treat 81137 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.