ZIP 81413 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 81413 (Delta County, Colorado) returns a low composite of 18/100. Structural risk reads 41/100 against active distress of 1/100. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (41/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The peak-phase market in 81413 posted values that rose 2.2% over the year, and 14% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 81413 scores 41/100. Vacancy runs 25.0%, above the national norm and a classic distress-and-opportunity signal. About 5,543 people live here, median age 51. Around 62% of renters are cost-burdened. Owners hold 78% of homes, renters 22%. About 34% have a four-year degree. The poverty rate is 12.9%. Home values center near $355,800, an affordability ratio of 5.8×. Households earn a median $56,458 — below the roughly $78,000 national figure. There are about 3,025 housing units across 81413.

On the whole, 81413 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 81413 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 81413 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 81413, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

81413's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 81413 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.