ZIP 85396 Foreclosure, Tax-Lien & Distress Report

In Maricopa County, Arizona, ZIP 85396 scores 34 of 100 for composite distress, a moderate level on DLRadar's distress index. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (68/100). The latent-versus-live split is 74/100 structural and 7/100 already moving. The most distinctive pressure shows up in structural risk (74/100), institutional ownership (56/100), construction/permit lag (53/100). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values held roughly flat year on year, and 0% lower over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $114,266, above the U.S. median near $78,000. The poverty rate is 5.9% — low. A median home runs $482,900 here, or 4.0 times local income. Around 20% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 26/100. About 33% have a four-year degree. Owners hold 93% of homes, renters 7%. There are about 15,974 housing units across 85396. About 38,489 people live here, median age 40. The vacancy rate is 9.8%.

On balance 85396 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 85396 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 85396 can be compared directly against any other ZIP in Maricopa County, Arizona or nationwide. Where the record is thin for 85396, the field stays empty rather than modeled, and fills in as new documents post.

The 34/100 figure for 85396 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. Treat 85396 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.