ZIP 81331 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 81331 in Montezuma County, Colorado comes in at 12, a minimal composite-distress reading. What sets it apart are the readings on construction/permit lag (40/100), structural risk (27/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (4/100) stay muted. Structural risk reads 27/100 against active distress of 1/100.

The peak-phase market in 81331 posted values that rose 2.2% over the year, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 17.7% — high, a tax-stress and distress correlate. 423 residents call 81331 home, typically aged 25. Households earn a median $81,000 — near the roughly $78,000 national figure. About 61% have a four-year degree. Vacancy runs 9.2%. Owners hold 100% of homes, renters 0%. There are about 189 housing units across 81331. DLRadar's demographic-stress index for the area reads 26/100. Home values center near $412,500, an affordability ratio of 4.3×.

Overall 81331 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 81331 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in Montezuma County, Colorado and the nation. Nothing here is interpolated — where a source is thin for 81331, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 81331 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. The point of the 81331 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.