ZIP 83840 Property Distress & Foreclosure Data

In Bonner County, Idaho, ZIP 83840 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (77/100), FEMA disaster exposure (64/100). On the structural side it scores 41/100, with 5/100 of stress already active. 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.

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

The ZIP holds roughly 261 housing units. 649 residents call 83840 home, typically aged 38. At $69,125, median income runs near typical U.S. levels. Around 17% of adults hold a bachelor's degree or higher. 82% of housing is owner-occupied. The demographic-stress sub-score lands at 33/100. Around 42% of renters are cost-burdened. The vacancy rate is 7.5%. The poverty rate is 12.4%. The typical home is worth about $350,900 (4.2× income).

Overall, 83840 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.