ZIP 85637 Foreclosure, Tax-Lien & Distress Report

In Santa Cruz County, Arizona, ZIP 85637 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are structural risk (48/100), construction/permit lag (46/100), institutional ownership (11/100). By contrast, institutional ownership (11/100) and mortgage stress (6/100) register low. The latent-versus-live split is 48/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (91/100).

The peak-phase market in 85637 posted values that rose 1.0% over the year, and 5% higher over three years, at 8/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $80,000, near the U.S. median near $78,000. Population is roughly 1,133 with a median age of 58. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. Around 0% of renters are cost-burdened. On demographic stress specifically, 85637 scores 28/100. Around 37% of adults hold a bachelor's degree or higher. Owners hold 88% of homes, renters 12%. The typical home is worth about $467,100 (5.4× income). The ZIP holds roughly 636 housing units. Vacancy runs 23.2%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 85637 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 85637 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 85637 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Santa Cruz County, Arizona and the nation. The score is rebuilt from public data as it updates, so 85637 reflects the current record instead of a stale or modeled snapshot.

85637's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 85637 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.