ZIP 81324 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 81324 (Dolores County, Colorado) at a low 16/100 for overall property distress. Property-level stress concentrates in construction/permit lag (68/100), institutional ownership (46/100), structural risk (36/100). structural risk (36/100) and mortgage stress (16/100) stay muted. The latent-versus-live split is 36/100 structural and 5/100 already moving.

The market reads peak — home values rose 1.7% year on year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,639 with a median age of 61. Home values center near $223,100, an affordability ratio of 2.8× — accessible. The ZIP holds roughly 1,067 housing units. The vacancy rate is 17.8% — elevated. Roughly 15.3% live below the poverty line. Households earn a median $72,279 — near the roughly $78,000 national figure. Around 16% of adults hold a bachelor's degree or higher. Around 15% of renters are cost-burdened. The tenure split is 82% owner-occupied to 18% rented. The demographic-stress sub-score lands at 26/100.

Net-net, 81324 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 81324 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 81324 runs through one identical scoring model, so its 16/100 sits on the same scale as every other ZIP in Dolores County, Colorado and the nation. Every figure is auditable to a public dataset and refreshed as records update; 81324 shows blanks, not estimates, wherever the record is sparse.

81324's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 81324 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.