ZIP 83864 Foreclosure, Tax-Lien & Distress Report

Bonner County, Idaho's ZIP 83864 registers 15/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). Structural exposure scores 29 and live distress 4 on the 0–100 scale. The sharpest non-environmental signals are institutional ownership (29/100), structural risk (29/100), mortgage stress (14/100). By contrast, mortgage stress (14/100) and construction/permit lag (1/100) register low.

Prices here sit in a peak phase: values rose 0.8% over the trailing year, 1.5% off the recent peak, and 6% higher over three years, at 25/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 71% of homes, renters 29%. The typical home is worth about $516,500 (6.9× income). The vacancy rate is 20.3% — elevated. Around 31% of renters are cost-burdened. Households earn a median $68,595 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 39/100. 11.1% of residents fall below the poverty threshold. 19,773 residents call 83864 home, typically aged 45. Educational attainment sits at 37% bachelor's-or-above. There are about 10,242 housing units across 83864.

Taken together, 83864 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 83864 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 83864's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 83864 shows blanks, not estimates, wherever the record is sparse.

The 15/100 figure for 83864 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 83864 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.