ZIP 85086 Foreclosure, Tax-Lien & Distress Report

ZIP code 85086 in Maricopa County, Arizona carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100)). Structurally it carries 78/100, against 7/100 of stress already in motion. The pressure is most legible in structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). By contrast, mortgage stress (23/100) register low.

The peak-phase market in 85086 posted values that held roughly flat over the year, and 11% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 4.4% — low. Rent burden reaches 50% of tenant households. There are about 17,088 housing units across 85086. Home values center near $598,900, an affordability ratio of 4.7×. About 42% have a four-year degree. The tenure split is 85% owner-occupied to 15% rented. 43,369 residents call 85086 home, typically aged 44. On demographic stress specifically, 85086 scores 31/100. Households earn a median $118,543 — above the roughly $78,000 national figure. Vacancy runs 7.5%.

Net-net, 85086 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 85086 at the moment; the composite and its components are still built from verifiable public records.

The 85086 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 85086 stays directly comparable to neighboring ZIPs and the rest of Maricopa County, Arizona. Nothing here is interpolated — where a source is thin for 85086, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

85086's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 85086 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.