ZIP 81301 Foreclosure, Tax-Lien & Distress Report

In La Plata County, Colorado, ZIP 81301 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (65/100), climate & FEMA risk (64/100)). The split runs 56/100 structural to 3/100 active on the ground. The sharpest non-environmental signals are construction/permit lag (96/100), structural risk (56/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (8/100).

The peak-phase market in 81301 posted values that held roughly flat over the year, and 18% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $83,209, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 43/100. Around 46% of renters are cost-burdened. About 58% have a four-year degree. Vacancy runs 21.6%, above the national norm and a classic distress-and-opportunity signal. A median home runs $695,800 here, or 7.6 times local income. 65% of housing is owner-occupied. Population is roughly 29,892 with a median age of 42. The poverty rate is 14.5%. There are about 16,568 housing units across 81301.

Net-net, 81301 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 81301 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 81301's 24/100 can be lined up against any neighbor in La Plata County, Colorado or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 81301, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 81301 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. Treat 81301 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.