ZIP 85345 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 85345 (Maricopa County, Arizona) at a moderate 35/100 for overall property distress. What sets it apart are the readings on structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). By contrast, mortgage stress (23/100) register low. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100)). On the structural side it scores 78/100, with 7/100 of stress already active.

The peak-phase market in 85345 posted values that held roughly flat over the year, and 3% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 5.6%. The poverty rate is 13.8%. Educational attainment sits at 18% bachelor's-or-above. About 61,822 people live here, median age 37. Rent burden reaches 46% of tenant households. The ZIP holds roughly 24,153 housing units. Median household income is $64,563, below the U.S. median near $78,000. On demographic stress specifically, 85345 scores 36/100. Home values center near $319,800, an affordability ratio of 4.3×. Owners hold 65% of homes, renters 35%.

Net-net, 85345 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 85345 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 85345 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. The score is rebuilt from public data as it updates, so 85345 reflects the current record instead of a stale or modeled snapshot.

Each component behind 85345 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. Treat 85345 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.