ZIP 85281 Foreclosure, Tax-Lien & Distress Report

ZIP code 85281 in Maricopa County, Arizona carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. 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 sharpest non-environmental signals are structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). mortgage stress (23/100) stay muted.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 1% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 24% owner-occupied to 76% rented. Median household income is $59,084, below the U.S. median near $78,000. 70,726 residents call 85281 home, typically aged 25. Vacancy runs 12.4%, above the national norm and a classic distress-and-opportunity signal. Home values center near $381,000, an affordability ratio of 6.2×. Rent burden reaches 45% of tenant households. The ZIP holds roughly 33,978 housing units. On demographic stress specifically, 85281 scores 45/100. Roughly 26.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 49% of adults hold a bachelor's degree or higher.

Taken together, 85281 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 85281 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 85281 runs hot or quiet, its 35/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 85281 can be compared directly against any other ZIP in Maricopa County, Arizona or nationwide. The score is rebuilt from public data as it updates, so 85281 reflects the current record instead of a stale or modeled snapshot.

85281's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 85281 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.