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Where distress is building, which way the cycle is turning, and what is live now.

ZIP 86023 Foreclosure, Tax-Lien & Distress Report

Coconino County, Arizona · High Vacancy market

ZIP code 86023 in Coconino County, Arizona carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (96/100), structural risk (56/100), institutional ownership (5/100). institutional ownership (5/100) stay muted. Structural exposure scores 56 and live distress 0 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (94/100)).

The market reads neutral — home values rose 2.9% year on year, at 24/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The demographic-stress sub-score lands at 22/100. Owners hold 11% of homes, renters 89%. Around 3% of renters are cost-burdened. Educational attainment sits at 28% bachelor's-or-above. Roughly 16.2% live below the poverty line. At $69,728, median income runs near typical U.S. levels. The ZIP holds roughly 817 housing units. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. About 2,044 people live here, median age 40.

Net-net, 86023 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 86023's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 86023, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 86023 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Practically, 86023 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.

25/100
Composite stress
56/100
Structural risk
0/100
Distress activity

Signal-by-signal read on 86023

Foreclosure activity0
Mortgage stress0
Climate / FEMA risk94
9 further dimensions of distress are measured for this ZIP

Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.

ZIP 86023 Stress Report snapshot

Real-time distress, cycle phase, housing and bank-stress readings for 86023, the same set carried on every parcel.

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Coconino County ZIPs near 86023

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Open 86023 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.

Rules-based scoring — each signal ties to a public dataset · methodology

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