ZIP 81427 Foreclosure, Tax-Lien & Distress Report

Ouray County, Colorado's ZIP 81427 registers 13/100 composite distress, which DLRadar reads as minimal. Climate and flood risk are elevated too — FEMA disaster exposure (68/100). The sharpest non-environmental signals are institutional ownership (37/100), structural risk (28/100), construction/permit lag (25/100). On the quiet end sit construction/permit lag (25/100) and mortgage stress (6/100). Structural risk reads 28/100 against active distress of 2/100.

The market reads peak — home values rose 2.2% year on year, and 39% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

74% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 33/100. A median home runs $604,200 here, or 6.8 times local income. Around 61% of adults hold a bachelor's degree or higher. There are about 984 housing units across 81427. Roughly 1.7% live below the poverty line, a low share typical of higher-equity areas. About 1,251 people live here, median age 54. At $82,851, median income runs near typical U.S. levels. Vacancy runs 40.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 10% of tenant households.

Taken together, 81427 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 81427 runs through one identical scoring model, so its 13/100 sits on the same scale as every other ZIP in Ouray County, Colorado and the nation. Every figure is auditable to a public dataset and refreshed as records update; 81427 shows blanks, not estimates, wherever the record is sparse.

The 13/100 figure for 81427 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 81427 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.