ZIP 85044 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 85044 (Maricopa County, Arizona) returns a moderate composite of 35/100. What sets it apart are the readings on structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). mortgage stress (23/100) stay muted. On the structural side it scores 78/100, with 7/100 of stress already active. Environmental exposure also runs high (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 2% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 5.6%. Around 47% of renters are cost-burdened. The poverty rate is 9.9%. About 50% have a four-year degree. The typical home is worth about $474,800 (4.5× income). DLRadar's demographic-stress index for the area reads 32/100. Median household income is $96,374, above the U.S. median near $78,000. About 40,419 people live here, median age 42. Owners hold 62% of homes, renters 38%. The ZIP holds roughly 18,731 housing units.

On balance 85044 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 85044 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 85044 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 85044, the field stays empty rather than modeled, and fills in as new documents post.

85044's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 85044 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.