ZIP 85646 Property Distress & Foreclosure Data

DLRadar grades ZIP 85646 (Santa Cruz County, Arizona) at a low 22/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (85/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 51/100 structural and 2/100 already moving. Property-level stress concentrates in structural risk (51/100), construction/permit lag (46/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted.

Prices here sit in a peak phase: values rose 1.7% over the trailing year, and 43% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 91% owner-occupied to 9% rented. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 36.7% — elevated. Around 33% of renters are cost-burdened. A median home runs $491,300 here, or 5.5 times local income. About 53% have a four-year degree. Households earn a median $85,321 — near the roughly $78,000 national figure. The ZIP holds roughly 1,139 housing units. On demographic stress specifically, 85646 scores 32/100. 1,280 residents call 85646 home, typically aged 69.

Taken together, 85646 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.