ZIP 81321 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 81321 (Montezuma County, Colorado) returns a minimal composite of 12/100. Structurally it carries 27/100, against 1/100 of stress already in motion. Property-level stress concentrates in construction/permit lag (40/100), structural risk (27/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100).

The market reads peak — home values rose 2.2% year on year, and 13% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 71% of homes, renters 29%. Rent burden reaches 51% of tenant households. 11.9% of residents fall below the poverty threshold. A median home runs $289,000 here, or 4.3 times local income. There are about 6,265 housing units across 81321. The demographic-stress sub-score lands at 35/100. Educational attainment sits at 28% bachelor's-or-above. Vacancy runs 10.1%. Households earn a median $59,737 — below the roughly $78,000 national figure. About 14,278 people live here, median age 43.

Overall, 81321 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 81321 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 81321's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 81321 reflects the current record instead of a stale or modeled snapshot.

Each component behind 81321 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. In workflow terms, 81321 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.