ZIP 83804 Foreclosure, Tax-Lien & Distress Report

In Bonner County, Idaho, ZIP 83804 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (77/100), FEMA disaster exposure (65/100). Latent structural risk is 37/100 while live distress already moving reads 5/100. The most distinctive pressure shows up in structural risk (37/100), institutional ownership (36/100), mortgage stress (17/100). institutional ownership (36/100) and mortgage stress (17/100) stay muted.

Prices here sit in a peak phase: values rose 0.5% over the trailing year, 2.0% off the recent peak, and 42% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $48,794, median income runs below typical U.S. levels. 15.6% of residents fall below the poverty threshold. 89% of housing is owner-occupied. Rent burden reaches 34% of tenant households. Educational attainment sits at 27% bachelor's-or-above. The demographic-stress sub-score lands at 36/100. Population is roughly 1,806 with a median age of 61. The vacancy rate is 16.1% — elevated. The ZIP holds roughly 1,034 housing units. Home values center near $414,300, an affordability ratio of 5.8×.

Taken together, 83804 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 83804 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 83804 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 83804 stays directly comparable to neighboring ZIPs and the rest of Bonner County, Idaho. 83804 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

83804'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. The point of the 83804 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.