ZIP 81640 Foreclosure, Tax-Lien & Distress Report

ZIP code 81640 in Moffat County, Colorado carries a composite property-distress score of 4/100 — a minimal reading on DLRadar's deterministic distress index. Latent structural risk is 8/100 while live distress already moving reads 0/100. The most distinctive pressure shows up in construction/permit lag (8/100), structural risk (8/100), institutional ownership (3/100). On the quiet end sit structural risk (8/100) and institutional ownership (3/100).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, at 12/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 114 housing units. On demographic stress specifically, 81640 scores 69/100. About 49% have a four-year degree. Rent burden reaches 100% of tenant households. 37.9% of residents fall below the poverty threshold. A median home runs $564,800 here. About 132 people live here, median age 42. Vacancy runs 42.7%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $38,309 — below the roughly $78,000 national figure. The tenure split is 32% owner-occupied to 68% rented.

Net-net, 81640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 81640 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 81640 runs hot or quiet, its 4/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81640 can be compared directly against any other ZIP in Moffat County, Colorado or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 81640 shows blanks, not estimates, wherever the record is sparse.

Each component behind 81640 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 4/100 roll-up. For an operator, 81640 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.