ZIP 81631 Foreclosure, Tax-Lien & Distress Report

In Eagle County, Colorado, ZIP 81631 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (46/100), structural risk (36/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (3/100). The latent-versus-live split is 36/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (80/100).

The market reads contraction — home values held roughly flat year on year, and 22% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $104,430 — above the roughly $78,000 national figure. The typical home is worth about $735,800 (6.9× income). Vacancy runs 6.6%. Around 43% of renters are cost-burdened. Educational attainment sits at 52% bachelor's-or-above. 72% of housing is owner-occupied. 7.6% of residents fall below the poverty threshold. The ZIP holds roughly 3,416 housing units. The demographic-stress sub-score lands at 38/100. About 8,676 people live here, median age 38.

Net-net, 81631 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 81631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 81631 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81631 can be compared directly against any other ZIP in Eagle County, Colorado or nationwide. 81631 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 81631'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. For a buyer, 81631 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.