ZIP 85138 Foreclosure, Tax-Lien & Distress Report

Pinal County, Arizona's ZIP 85138 registers 35/100 composite distress, which DLRadar reads as moderate. The pressure is most legible in structural risk (77/100), construction/permit lag (64/100), institutional ownership (63/100). On the quiet end sit mortgage stress (25/100). Climate and flood risk are elevated too — climate & FEMA risk (94/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (80/100). Structurally it carries 77/100, against 8/100 of stress already in motion.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 71% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $93,609, above the U.S. median near $78,000. The tenure split is 82% owner-occupied to 18% rented. The poverty rate is 6.4% — low. The ZIP holds roughly 19,384 housing units. DLRadar's demographic-stress index for the area reads 31/100. A median home runs $378,800 here, or 3.7 times local income. Educational attainment sits at 22% bachelor's-or-above. The vacancy rate is 10.6%. Rent burden reaches 40% of tenant households. About 52,342 people live here, median age 36.

Net-net, 85138 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 85138 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 85138's 35/100 can be lined up against any neighbor in Pinal County, Arizona or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 85138, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 35/100 figure for 85138 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, 85138 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.