ZIP 81647 Foreclosure, Tax-Lien & Distress Report

ZIP code 81647 in Garfield County, Colorado carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. Structural risk reads 26/100 against active distress of 1/100. Its heaviest discrete signals: structural risk (26/100), construction/permit lag (8/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). It additionally carries heavy environmental risk: climate & FEMA risk (68/100).

The contraction-phase market in 81647 posted values that held roughly flat over the year, and 27% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

Owners hold 76% of homes, renters 24%. The typical home is worth about $456,200 (5.9× income). 9.1% of residents fall below the poverty threshold. Around 32% of adults hold a bachelor's degree or higher. Population is roughly 7,037 with a median age of 39. Vacancy runs 5.3%. Rent burden reaches 30% of tenant households. The ZIP holds roughly 2,868 housing units. On demographic stress specifically, 81647 scores 34/100. At $80,139, median income runs near typical U.S. levels.

On the whole, 81647 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 81647 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 81647 can be compared directly against any other ZIP in Garfield County, Colorado or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 81647 shows blanks, not estimates, wherever the record is sparse.

81647's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 81647 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.