ZIP 85040 Foreclosure, Tax-Lien & Distress Report

ZIP code 85040 in Maricopa County, Arizona carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). mortgage stress (23/100) stay muted. Structural risk reads 78/100 against active distress of 7/100. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100).

The market reads peak — home values held roughly flat year on year, and 8% higher over three years (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Educational attainment sits at 15% bachelor's-or-above. The ZIP holds roughly 12,193 housing units. Households earn a median $57,890 — below the roughly $78,000 national figure. Vacancy runs 5.9%. Home values center near $329,800, an affordability ratio of 5.1×. The demographic-stress sub-score lands at 42/100. Around 41% of renters are cost-burdened. The tenure split is 48% owner-occupied to 52% rented. Roughly 23.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 33,325 people live here, median age 31.

Taken together, 85040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 85040's 35/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 85040, the field stays empty rather than modeled, and fills in as new documents post.

The 35/100 figure for 85040 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 a buyer, 85040 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.