ZIP 81301 Property Distress & Foreclosure Data

In La Plata County, Colorado, ZIP 81301 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (65/100), climate & FEMA risk (64/100)). The latent-versus-live split is 39/100 structural and 3/100 already moving. Its standout signals are structural risk (39/100), construction/permit lag (27/100), 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 rose 1.8% over the year, and 18% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $83,209 — near the roughly $78,000 national figure. On demographic stress specifically, 81301 scores 43/100. Around 46% of renters are cost-burdened. About 58% have a four-year degree. The vacancy rate is 21.6% — elevated. A median home runs $695,800 here, or 7.6 times local income. The tenure split is 65% owner-occupied to 35% rented. Population is roughly 29,892 with a median age of 42. Roughly 14.5% live below the poverty line. The ZIP holds roughly 16,568 housing units.

On the whole, 81301 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.