ZIP 81431 Foreclosure, Tax-Lien & Distress Report
San Miguel County, Colorado · Distress market
ZIP code 81431 in San Miguel County, Colorado carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic distress index. The split runs 24/100 structural to 1/100 active on the ground. Property-level stress concentrates in construction/permit lag (53/100), structural risk (24/100), 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 scoring model, so its 11/100 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 11/100 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.
What is driving ZIP 81431’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 81431 distress snapshot
The live 81431 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
San Miguel County ZIPs near 81431
Nearest ZIP codes to 81431
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Colorado distress
More ZIP, county and state distress intelligence connected to San Miguel County, Colorado.
Open the complete 81431 acquisition file
Pull every distressed parcel in 81431 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Rules-based scoring — each signal ties to a public dataset · methodology