ZIP 85712 Foreclosure, Tax-Lien & Distress Report

ZIP code 85712 in Pima County, Arizona carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. Leading the profile are structural risk (45/100), construction/permit lag (39/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low. Structural exposure scores 45 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (99/100).

The market reads recovery — home values rose 1.7% year on year, and 8% higher over three years (phase confidence 13/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $48,185 — below the roughly $78,000 national figure. 15.6% of residents fall below the poverty threshold. Home values center near $268,600, an affordability ratio of 5.2×. Around 37% of adults hold a bachelor's degree or higher. The vacancy rate is 9.0%. On demographic stress specifically, 85712 scores 37/100. Rent burden reaches 37% of tenant households. About 31,964 people live here, median age 44. The tenure split is 41% owner-occupied to 59% rented. The ZIP holds roughly 18,290 housing units.

Overall, 85712 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 85712 is not published yet -- the ZIP-level readings above remain fully sourced.

The 85712 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 85712 stays directly comparable to neighboring ZIPs and the rest of Pima County, Arizona. Every figure is auditable to a public dataset and refreshed as records update; 85712 shows blanks, not estimates, wherever the record is sparse.

Each component behind 85712 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 85712 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.