ZIP 84305 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 84305 (Cache County, Utah) returns a minimal composite of 14/100. The split runs 29/100 structural to 1/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (73/100). Its standout signals are structural risk (29/100), construction/permit lag (27/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

The market reads peak — home values rose 1.1% year on year, 1.9% off the recent peak, and 48% higher over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $339,200, an affordability ratio of 4.8×. About 25% have a four-year degree. 95% of housing is owner-occupied. The ZIP holds roughly 322 housing units. Population is roughly 612 with a median age of 43. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 11.9%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 18% of tenant households. On demographic stress specifically, 84305 scores 28/100. Households earn a median $62,422 — below the roughly $78,000 national figure.

On balance 84305 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 84305 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 84305 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 84305 can be compared directly against any other ZIP in Cache County, Utah or nationwide. Where the public record is thin for 84305, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 84305 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. The point of the 84305 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.