ZIP 81431 Foreclosure, Tax-Lien & Distress Report

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. The split runs 26/100 structural to 1/100 active on the ground. Property-level stress concentrates in construction/permit lag (61/100), structural risk (26/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 1.3% year on year, at 15/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 287 housing units. About 18% have a four-year degree. Rent burden reaches 0% of tenant households. Home values center near $262,500, an affordability ratio of 3.1× — accessible. Median household income is $87,900, above the U.S. median near $78,000. The tenure split is 92% owner-occupied to 8% rented. 647 residents call 81431 home, typically aged 42. On demographic stress specifically, 81431 scores 21/100. Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 10.8%.

Net-net, 81431 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 81431 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 81431 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in San Miguel County, Colorado and the nation. Nothing here is interpolated — where a source is thin for 81431, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 12/100 figure for 81431 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, 81431 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.