ZIP 85936 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 85936 (Apache County, Arizona) at a low 20/100 for overall property distress. Leading the profile are construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). By contrast, institutional ownership (28/100) and mortgage stress (18/100) register low. Environmental exposure also runs high (climate & FEMA risk (70/100)). Structural risk reads 43/100 against active distress of 5/100.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 75% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $127,227 — above the roughly $78,000 national figure. Home values center near $194,000, an affordability ratio of 1.4× — accessible. Vacancy runs 34.4%, above the national norm and a classic distress-and-opportunity signal. About 3,966 people live here, median age 31. DLRadar's demographic-stress index for the area reads 20/100. Educational attainment sits at 28% bachelor's-or-above. 7.8% of residents fall below the poverty threshold. Owners hold 90% of homes, renters 10%. Around 0% of renters are cost-burdened. There are about 1,264 housing units across 85936.

Taken together, 85936 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 85936 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 85936 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 85936 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 figure for 85936 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. For a buyer, 85936 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.