ZIP 81639 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 81639 in Routt County, Colorado comes in at 15, a low composite-distress reading. Latent structural risk is 35/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in construction/permit lag (86/100), structural risk (35/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (3/100) register low.

The contraction-phase market in 81639 posted values that held roughly flat over the year, and 20% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $106,429, above the U.S. median near $78,000. 6.0% of residents fall below the poverty threshold. The vacancy rate is 16.6% — elevated. There are about 1,236 housing units across 81639. Around 16% of renters are cost-burdened. 81% of housing is owner-occupied. On demographic stress specifically, 81639 scores 27/100. Population is roughly 2,617 with a median age of 41. Educational attainment sits at 29% bachelor's-or-above. A median home runs $443,600 here, or 3.9 times local income.

Taken together, 81639 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 81639 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 81639 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 81639 reflects the current record instead of a stale or modeled snapshot.

The 15/100 for 81639 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 81639 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.