ZIP 81328 Foreclosure, Tax-Lien & Distress Report

In Montezuma County, Colorado, ZIP 81328 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (76/100), structural risk (38/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (5/100). Latent structural risk is 38/100 while live distress already moving reads 1/100.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 16% higher over three years (phase confidence 17/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $412,700, an affordability ratio of 6.3×. Vacancy runs 13.4%, above the national norm and a classic distress-and-opportunity signal. About 4,159 people live here, median age 58. The demographic-stress sub-score lands at 35/100. 6.4% of residents fall below the poverty threshold. Rent burden reaches 39% of tenant households. The tenure split is 88% owner-occupied to 12% rented. There are about 2,381 housing units across 81328. At $64,986, median income runs below typical U.S. levels. Around 41% of adults hold a bachelor's degree or higher.

Net-net, 81328 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 81328 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 81328 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 81328, the field stays empty rather than modeled, and fills in as new documents post.

81328's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 81328 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.