ZIP 81654 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 81654 (Pitkin County, Colorado) returns a low composite of 17/100. Structural risk reads 37/100 against active distress of 2/100. The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (37/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (5/100). It additionally carries heavy environmental risk: climate & FEMA risk (62/100).

The market reads contraction — home values held roughly flat year on year, and 3% higher over three years (phase confidence 12/100). Falling values surface more motivated sellers and below-market exits.

Population is roughly 1,495 with a median age of 55. Roughly 12.4% live below the poverty line. The typical home is worth about $1,122,000 (7.5× income, severely stretched). Educational attainment sits at 53% bachelor's-or-above. Vacancy runs 15.9%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 908 housing units. 81% of housing is owner-occupied. On demographic stress specifically, 81654 scores 44/100. At $115,278, median income runs above typical U.S. levels. Rent burden reaches 73% of tenant households.

On the whole, 81654 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 81654 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 81654 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 81654 can be compared directly against any other ZIP in Pitkin County, Colorado or nationwide. Where the public record is thin for 81654, the field stays empty rather than modeled, and fills in as new documents post.

The 17/100 for 81654 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, 81654 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.