ZIP 83813 Property Distress & Foreclosure Data

In Bonner County, Idaho, ZIP 83813 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (41/100), institutional ownership (35/100), construction/permit lag (18/100). construction/permit lag (18/100) and mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (77/100), FEMA disaster exposure (64/100). The latent-versus-live split is 41/100 structural and 5/100 already moving.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, 2.5% off the recent peak, and 35% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 18% of adults hold a bachelor's degree or higher. The poverty rate is 2.0% — low. 96% of housing is owner-occupied. The ZIP holds roughly 773 housing units. 1,282 residents call 83813 home, typically aged 48. The vacancy rate is 34.4% — elevated. The typical home is worth about $788,600 (7.2× income, severely stretched). At $78,015, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 41/100.

Taken together, 83813 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.