ZIP 81645 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 81645 (Eagle County, Colorado) returns a low composite of 17/100. The latent-versus-live split is 36/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (46/100), structural risk (36/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (80/100)).

The contraction-phase market in 81645 posted values that held roughly flat over the year, and 22% higher over three years, at 12/100 phase confidence. A cooling market tends to open discount-to-value windows.

69% of housing is owner-occupied. Median household income is $108,897, above the U.S. median near $78,000. A median home runs $1,089,600 here, or 9.8 times local income. Rent burden reaches 46% of tenant households. The vacancy rate is 22.4% — elevated. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 551 housing units. DLRadar's demographic-stress index for the area reads 48/100. 1,024 residents call 81645 home, typically aged 38. Educational attainment sits at 58% bachelor's-or-above.

Taken together, 81645 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 81645 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 81645 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81645 can be compared directly against any other ZIP in Eagle County, Colorado or nationwide. 81645 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 17/100 figure for 81645 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, 81645 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.