ZIP 85643 Foreclosure, Tax-Lien & Distress Report

ZIP 85643's composite property-distress score is 21/100 - DLRadar classes that as low for Graham County, Arizona. Environmental exposure also runs high (climate & FEMA risk (76/100), flood (NFIP) exposure (60/100)). Its heaviest discrete signals: construction/permit lag (53/100), structural risk (48/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. The latent-versus-live split is 48/100 structural and 2/100 already moving.

The market reads contraction — home values fell 0.8% year on year, 2.4% off the recent peak, and 2% lower over three years, at 37/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The tenure split is 68% owner-occupied to 32% rented. 12.8% of residents fall below the poverty threshold. A median home runs $173,900 here, or 2.8 times local income. Rent burden reaches 43% of tenant households. 8,524 residents call 85643 home, typically aged 40. Around 18% of adults hold a bachelor's degree or higher. The vacancy rate is 22.9% — elevated. There are about 3,901 housing units across 85643. On demographic stress specifically, 85643 scores 32/100. Median household income is $56,952, below the U.S. median near $78,000.

Taken together, 85643 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 85643 at the moment; the composite and its components are still built from verifiable records.

The 85643 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 85643 stays directly comparable to neighboring ZIPs and the rest of Graham County, Arizona. Nothing here is interpolated — where a source is thin for 85643, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 21/100 figure for 85643 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 85643 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.