ZIP 86004 Foreclosure, Tax-Lien & Distress Report

ZIP code 86004 in Coconino County, Arizona carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 56 and live distress 2 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (96/100), structural risk (56/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (5/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (94/100).

The neutral-phase market in 86004 posted values that rose 2.9% over the year, and 15% higher over three years, at 24/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 16,736 housing units. Around 45% of renters are cost-burdened. About 36,893 people live here, median age 39. Roughly 11.8% live below the poverty line. Home values center near $509,900, an affordability ratio of 6.0×. The vacancy rate is 13.3% — elevated. Households earn a median $77,486 — near the roughly $78,000 national figure. Educational attainment sits at 44% bachelor's-or-above. 63% of housing is owner-occupied. On demographic stress specifically, 86004 scores 38/100.

On the whole, 86004 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 86004 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 86004's 25/100 can be lined up against any neighbor in Coconino County, Arizona or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 86004 reflects the current record instead of a stale or modeled snapshot.

86004's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 86004 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.