ZIP 81640 Foreclosure, Tax-Lien & Distress Report
Moffat County, Colorado · High Vacancy market
ZIP code 81640 in Moffat County, Colorado carries a composite property-distress score of 7/100 — a minimal reading on DLRadar's deterministic public-record index. Latent structural risk is 17/100 while live distress already moving reads 0/100. The most distinctive pressure shows up in construction/permit lag (43/100), structural risk (17/100), institutional ownership (3/100). On the quiet end sit structural risk (17/100) 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 55/100. 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 to public records.
Whether 81640 runs hot or quiet, its 7/100 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 on ingest; 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 7/100 roll-up. For an operator, 81640 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 81640
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
81640 at a glance
The live 81640 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Moffat County
Explore related distress reports
Further distress data across Moffat County, Colorado at ZIP, county and state level.
See every distressed parcel in 81640
The full 81640 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology