ZIP 84054 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 84054 (Davis County, Utah) at a low 18/100 for overall property distress. What sets it apart are the readings on structural risk (40/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (66/100)). Structural exposure scores 40 and live distress 2 on the 0–100 scale.

The market reads neutral — home values rose 3.2% year on year, and 7% higher over three years, at 19/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 2.8%. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 7,798 housing units. About 41% have a four-year degree. Around 27% of renters are cost-burdened. The tenure split is 68% owner-occupied to 32% rented. Median household income is $107,889, above the U.S. median near $78,000. 22,201 residents call 84054 home, typically aged 32. The poverty rate is 3.9% — low. A median home runs $505,500 here, or 4.4 times local income.

Overall 84054 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 84054 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 84054 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Davis County, Utah and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 84054 shows blanks, not estimates, wherever the record is sparse.

84054's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 84054 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.