ZIP 85648 Foreclosure, Tax-Lien & Distress Report

ZIP 85648's composite property-distress score is 23/100 - DLRadar classes that as low for Santa Cruz County, Arizona. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (67/100). Structural risk reads 52/100 against active distress of 2/100. Property-level stress concentrates in construction/permit lag (55/100), structural risk (52/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 8% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $63,672, below the U.S. median near $78,000. About 21,844 people live here, median age 34. 18.2% of residents fall below the poverty threshold. On demographic stress specifically, 85648 scores 32/100. There are about 7,604 housing units across 85648. About 25% have a four-year degree. The vacancy rate is 4.7%. The typical home is worth about $224,900 (3.4× income, relatively affordable). Rent burden reaches 49% of tenant households. The tenure split is 83% owner-occupied to 18% rented.

Net-net, 85648 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 85648 runs through one identical public-record model, so its 23/100 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 85648 reflects the current record instead of a stale or modeled snapshot.

The 23/100 for 85648 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 85648 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.