ZIP 85004 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 85004 in Maricopa County, Arizona comes in at 35, a moderate composite-distress reading. Its standout signals are structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). mortgage stress (23/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100). Latent structural risk is 78/100 while live distress already moving reads 7/100.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 50% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $71,250, near the U.S. median near $78,000. Home values center near $417,400, an affordability ratio of 5.1×. Around 59% of adults hold a bachelor's degree or higher. Around 49% of renters are cost-burdened. The poverty rate is 22.7% — high, a tax-stress and distress correlate. The vacancy rate is 15.8% — elevated. 11,178 residents call 85004 home, typically aged 28. DLRadar's demographic-stress index for the area reads 41/100. The ZIP holds roughly 7,072 housing units. Owners hold 24% of homes, renters 76%.

Taken together, 85004 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 85004 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 85004 read uses the identical public-record model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 85004 stays directly comparable to neighboring ZIPs and the rest of Maricopa County, Arizona. Where the public record is thin for 85004, the field stays empty rather than modeled, and fills in as new documents post.

Behind 85004's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 85004 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.