ZIP 85320 Foreclosure, Tax-Lien & Distress Report

Maricopa County, Arizona's ZIP 85320 registers 35/100 composite distress, which DLRadar reads as moderate. On the structural side it scores 78/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100). Property-level stress concentrates in structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values held roughly flat year on year, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 244 housing units across 85320. The tenure split is 94% owner-occupied to 6% rented. Vacancy runs 33.7%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 28% bachelor's-or-above. Roughly 22.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $40,208, below the U.S. median near $78,000. Home values center near $472,100, an affordability ratio of 9.9× — stretched. Around 100% of renters are cost-burdened. 315 residents call 85320 home, typically aged 46. DLRadar's demographic-stress index for the area reads 61/100.

Taken together, 85320 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 85320 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: 85320 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 85320, the field stays empty rather than modeled, and fills in as new documents post.

Behind 85320's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 85320 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.