ZIP 81423 Foreclosure, Tax-Lien & Distress Report
San Miguel County, Colorado · Distress market
ZIP code 81423 in San Miguel County, Colorado carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. Property-level stress concentrates in construction/permit lag (83/100), structural risk (30/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. The split runs 30/100 structural to 2/100 active on the ground.
The peak-phase market in 81423 posted values that rose 1.9% over the year, and 34% higher over three years, at 17/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The vacancy rate is 10.8%. Roughly 8.6% live below the poverty line. Home values center near $425,000, an affordability ratio of 6.7×. The demographic-stress sub-score lands at 37/100. The ZIP holds roughly 786 housing units. Educational attainment sits at 39% bachelor's-or-above. 78% of housing is owner-occupied. Around 40% of renters are cost-burdened. 1,462 residents call 81423 home, typically aged 50. Median household income is $61,316, below the U.S. median near $78,000.
Overall, 81423 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 81423 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 81423 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81423 can be compared directly against any other ZIP in San Miguel County, Colorado or nationwide. The score is rebuilt from public data as it updates, so 81423 reflects the current record instead of a stale or modeled snapshot.
Behind 81423's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 81423 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 81423
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 81423 distress snapshot
Current distress, phase, housing and lender-pressure figures for 81423, drawn from the same report attached to each property.
More ZIPs across San Miguel County
Keep exploring Colorado distress
Keep going: ZIP, county and state distress coverage for San Miguel County, Colorado.
The complete 81423 distress and acquisition report
See who owns each distressed property in 81423, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology