ZIP 85395 Foreclosure, Tax-Lien & Distress Report

ZIP code 85395 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)). Its standout signals are structural risk (78/100), construction/permit lag (64/100), institutional ownership (58/100). mortgage stress (23/100) stay muted. Structural risk reads 78/100 against active distress of 7/100.

The market reads peak — home values held roughly flat year on year, and 24% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 38,701 people live here, median age 47. 81% of housing is owner-occupied. Around 50% of renters are cost-burdened. Vacancy runs 13.4%, above the national norm and a classic distress-and-opportunity signal. There are about 16,644 housing units across 85395. DLRadar's demographic-stress index for the area reads 33/100. Around 40% of adults hold a bachelor's degree or higher. The poverty rate is 5.8% — low. The typical home is worth about $564,800 (4.9× income). Households earn a median $107,980 — above the roughly $78,000 national figure.

Net-net, 85395 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 85395 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 85395 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. Every figure is auditable to a public dataset and refreshed on ingest; 85395 shows blanks, not estimates, wherever the record is sparse.

Each component behind 85395 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. For a buyer, 85395 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.