ZIP 85940 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 85940 (Apache County, Arizona) returns a low composite of 20/100. Structural risk reads 43/100 against active distress of 5/100. Environmental exposure also runs high (climate & FEMA risk (70/100)). Leading the profile are construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (18/100).

The market reads peak — home values rose 1.5% year on year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 29.3%, above the national norm and a classic distress-and-opportunity signal. 21.0% of residents fall below the poverty threshold. The ZIP holds roughly 669 housing units. 85% of housing is owner-occupied. Around 57% of renters are cost-burdened. Educational attainment sits at 29% bachelor's-or-above. Population is roughly 1,278 with a median age of 57. At $63,582, median income runs below typical U.S. levels. The typical home is worth about $245,800 (3.7× income, relatively affordable). The demographic-stress sub-score lands at 36/100.

Taken together, 85940 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 85940 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 85940 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 85940 stays directly comparable to neighboring ZIPs and the rest of Apache County, Arizona. Nothing here is interpolated — where a source is thin for 85940, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 85940 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 an operator, 85940 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.