ZIP 81630 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 81630 (Garfield County, Colorado) returns a low composite of 16/100. Structural risk reads 34/100 against active distress of 1/100. Climate and flood risk are elevated too — climate & FEMA risk (70/100). Leading the profile are construction/permit lag (41/100), structural risk (34/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100).

The market reads peak — home values rose 1.5% year on year (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

84% of housing is owner-occupied. At $72,344, median income runs near typical U.S. levels. Population is roughly 1,052 with a median age of 40. Around 19% of adults hold a bachelor's degree or higher. A median home runs $269,400 here, or 3.8 times local income. DLRadar's demographic-stress index for the area reads 30/100. The ZIP holds roughly 437 housing units. The poverty rate is 12.0%. Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 21% of tenant households.

Net-net, 81630 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 81630 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 81630's 16/100 can be lined up against any neighbor in Garfield County, Colorado or any ZIP coast to coast. Sparse data for 81630 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 81630'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. The point of the 81630 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.