ZIP 83646 Foreclosure, Tax-Lien & Distress Report

Ada County, Idaho's ZIP 83646 registers 23/100 composite distress, which DLRadar reads as low. Its standout signals are structural risk (51/100), construction/permit lag (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. Structurally it carries 51/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (61/100).

The market reads neutral — home values rose 3.8% year on year, and 1% lower over three years, at 27/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $101,040, median income runs above typical U.S. levels. Around 35% of renters are cost-burdened. On demographic stress specifically, 83646 scores 30/100. Educational attainment sits at 44% bachelor's-or-above. Population is roughly 74,522 with a median age of 38. Owners hold 81% of homes, renters 19%. 6.4% of residents fall below the poverty threshold. Home values center near $542,500, an affordability ratio of 4.8×. The ZIP holds roughly 27,957 housing units. Vacancy runs 3.3%.

On balance, 83646 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 83646 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 83646 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 83646 stays directly comparable to neighboring ZIPs and the rest of Ada County, Idaho. Nothing here is interpolated — where a source is thin for 83646, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 83646 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Practically, 83646 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.