ZIP 81432 Foreclosure, Tax-Lien & Distress Report
Ouray County, Colorado · High Vacancy market
ZIP code 81432 in Ouray County, Colorado carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. Leading the profile are institutional ownership (28/100), structural risk (21/100), construction/permit lag (13/100). construction/permit lag (13/100) and mortgage stress (6/100) stay muted. On the structural side it scores 21/100, with 2/100 of stress already active.
The peak-phase market in 81432 posted values that rose 2.2% over the year, and 23% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 3,150 people live here, median age 55. Vacancy runs 22.6%, above the national norm and a classic distress-and-opportunity signal. Home values center near $836,200, an affordability ratio of 8.8× — stretched. Owners hold 78% of homes, renters 22%. The demographic-stress sub-score lands at 43/100. About 56% have a four-year degree. There are about 2,103 housing units across 81432. 6.8% of residents fall below the poverty threshold. Median household income is $87,547, above the U.S. median near $78,000. Rent burden reaches 42% of tenant households.
On the whole, 81432 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 81432 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 81432 read uses the identical public-record model applied coast to coast, which means its 10/100 score means exactly what it means anywhere else, and 81432 stays directly comparable to neighboring ZIPs and the rest of Ouray County, Colorado. Nothing here is interpolated — where a source is thin for 81432, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Behind 81432'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. In workflow terms, 81432 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 81432
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 81432 Stress Report snapshot
The live 81432 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Ouray County
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