ZIP 86031 Foreclosure, Tax-Lien & Distress Report
Navajo County, Arizona · High Vacancy market
ZIP code 86031 in Navajo County, Arizona carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 54/100, against 3/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (71/100), structural risk (54/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (11/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (84/100).
Prices here sit in a peak phase: values held roughly flat over the trailing year, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 1,938 people live here, median age 37. The tenure split is 69% owner-occupied to 31% rented. Around 56% of renters are cost-burdened. There are about 878 housing units across 86031. Vacancy runs 20.5%, above the national norm and a classic distress-and-opportunity signal. 52.0% of residents fall below the poverty threshold. The typical home is worth about $80,300 (2.3× income, relatively affordable). DLRadar's demographic-stress index for the area reads 41/100. About 3% have a four-year degree. Households earn a median $30,699 — below the roughly $78,000 national figure.
Net-net, 86031 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 86031 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 86031 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 86031, the field stays empty rather than modeled, and fills in as new documents post.
86031's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 86031 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 86031 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 86031 by the numbers
86031 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Navajo County ZIP codes
More distress data near 86031
Related ZIP, county and statewide reads linked to Navajo County, Arizona.
Unlock parcel-level detail for ZIP 86031
Every distressed parcel in 86031 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology