ZIP 81635 Foreclosure, Tax-Lien & Distress Report

ZIP code 81635 in Garfield County, Colorado carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: structural risk (28/100), construction/permit lag (17/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). Structurally it carries 28/100, against 1/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (69/100).

The contraction-phase market in 81635 posted values that held roughly flat over the year, and 32% higher over three years, at 9/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

DLRadar's demographic-stress index for the area reads 31/100. Rent burden reaches 37% of tenant households. Roughly 11.6% live below the poverty line. Population is roughly 7,155 with a median age of 36. Educational attainment sits at 24% bachelor's-or-above. The typical home is worth about $311,200 (3.7× income, relatively affordable). Vacancy runs 4.8%. 68% of housing is owner-occupied. At $68,865, median income runs near typical U.S. levels. The ZIP holds roughly 3,152 housing units.

Taken together, 81635 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.

The number is not local guesswork: 81635's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 81635, the field stays empty rather than modeled, and fills in as new documents post.

The 13/100 figure for 81635 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. Practically, 81635 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.