ZIP 81637 Foreclosure, Tax-Lien & Distress Report
Garfield County, Colorado · Cooling Market market
ZIP code 81637 in Garfield County, Colorado carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are construction/permit lag (36/100), structural risk (33/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (4/100) stay muted. Structurally it carries 33/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (74/100).
The market reads contraction — home values held roughly flat year on year, and 18% higher over three years (phase confidence 12/100). Falling values surface more motivated sellers and below-market exits.
The poverty rate is 5.9% — low. Population is roughly 10,344 with a median age of 36. Households earn a median $108,556 — above the roughly $78,000 national figure. Rent burden reaches 48% of tenant households. Educational attainment sits at 31% bachelor's-or-above. There are about 3,565 housing units across 81637. The tenure split is 76% owner-occupied to 24% rented. The vacancy rate is 4.7%. On demographic stress specifically, 81637 scores 35/100. The typical home is worth about $616,200 (5.1× income).
Net-net, 81637 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 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: 81637's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 81637 reflects the current record instead of a stale or modeled snapshot.
The 16/100 figure for 81637 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. For an operator, 81637 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 81637 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 81637 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Garfield County ZIP reports
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Other reports tied to Garfield County, Colorado — ZIP, county and statewide.
See every distressed parcel in 81637
See who owns each distressed property in 81637, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology