ZIP 81326 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 81326 in La Plata County, Colorado comes in at 27, a low composite-distress reading. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (77/100). Its heaviest discrete signals: construction/permit lag (94/100), structural risk (63/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. The latent-versus-live split is 63/100 structural and 3/100 already moving.

The contraction-phase market in 81326 posted values that held roughly flat over the year, and 48% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

2,651 residents call 81326 home, typically aged 52. Median household income is $83,229, near the U.S. median near $78,000. The typical home is worth about $558,600 (6.2× income). 88% of housing is owner-occupied. There are about 1,367 housing units across 81326. On demographic stress specifically, 81326 scores 35/100. Vacancy runs 19.1%, above the national norm and a classic distress-and-opportunity signal. About 42% have a four-year degree. Around 39% of renters are cost-burdened. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas.

On the whole, 81326 leans distressed, with opportunity clustered in specific stressed parcels. While 81326 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 81326 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81326 can be compared directly against any other ZIP in La Plata County, Colorado or nationwide. Sparse data for 81326 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 for 81326 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 81326 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.