ZIP 85621 Foreclosure, Tax-Lien & Distress Report

ZIP code 85621 in Santa Cruz County, Arizona carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 52/100, against 2/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (52/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (67/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 8% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 21,512 people live here, median age 38. The typical home is worth about $193,200 (4.2× income). The tenure split is 51% owner-occupied to 49% rented. There are about 8,218 housing units across 85621. The poverty rate is 25.0% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 38/100. Vacancy runs 10.7%. Households earn a median $41,309 — below the roughly $78,000 national figure. Educational attainment sits at 19% bachelor's-or-above. Around 34% of renters are cost-burdened.

On the whole, 85621 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 85621 at the moment; the composite and its components are still built from verifiable public records.

The 85621 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 85621 stays directly comparable to neighboring ZIPs and the rest of Santa Cruz County, Arizona. Where the public record is thin for 85621, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 for 85621 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 85621 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.