ZIP 81431 Property Distress & Foreclosure Data

ZIP code 81431 in San Miguel County, Colorado carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. On the structural side it scores 26/100, with 1/100 of stress already active. What sets it apart are the readings on construction/permit lag (60/100), structural risk (26/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 2.6% over the trailing year (phase confidence 25/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 287 housing units. Around 18% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. The typical home is worth about $262,500 (3.1× income, relatively affordable). At $87,900, median income runs above typical U.S. levels. 92% of housing is owner-occupied. 647 residents call 81431 home, typically aged 42. The demographic-stress sub-score lands at 21/100. The poverty rate is 3.5% — low. The vacancy rate is 10.8%.

On balance, 81431 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.