ZIP 81435 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 81435 (San Miguel County, Colorado) returns a minimal composite of 14/100. The latent-versus-live split is 34/100 structural and 2/100 already moving. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (34/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 5% lower over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 43.7%, above the national norm and a classic distress-and-opportunity signal. There are about 5,093 housing units across 81435. DLRadar's demographic-stress index for the area reads 45/100. Around 37% of renters are cost-burdened. Median household income is $81,777, near the U.S. median near $78,000. About 72% have a four-year degree. Roughly 9.2% live below the poverty line. The typical home is worth about $982,600 (8.6× income, severely stretched). Population is roughly 5,626 with a median age of 41. The tenure split is 59% owner-occupied to 41% rented.

Taken together, 81435 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, 81435 runs through one identical public-record model, so its 14/100 sits on the same scale as every other ZIP in San Miguel County, Colorado and the nation. 81435 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 81435'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, 81435 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.