ZIP 85938 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 85938 in Apache County, Arizona comes in at 20, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (18/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (70/100)). Latent structural risk is 43/100 while live distress already moving reads 5/100.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 78% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 6.8% — low. Around 42% of renters are cost-burdened. About 25% have a four-year degree. On demographic stress specifically, 85938 scores 32/100. 73% of housing is owner-occupied. 2,079 residents call 85938 home, typically aged 45. There are about 1,277 housing units across 85938. The vacancy rate is 29.6% — elevated. Households earn a median $54,167 — below the roughly $78,000 national figure. A median home runs $212,300 here, or 3.5 times local income.

Net-net, 85938 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 85938 at the moment; the composite and its components are still built from verifiable public records.

Whether 85938 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 85938 can be compared directly against any other ZIP in Apache County, Arizona or nationwide. Nothing here is interpolated — where a source is thin for 85938, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 85938 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 85938 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.