ZIP 86038 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 86038 (Coconino County, Arizona) lands at 25/100 — low on DLRadar's public-record scoring. Property-level stress concentrates in construction/permit lag (96/100), structural risk (56/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (5/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (94/100). On the structural side it scores 56/100, with 2/100 of stress already active.

The neutral-phase market in 86038 posted values that rose 2.9% over the year, at 24/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The demographic-stress sub-score lands at 45/100. Educational attainment sits at 13% bachelor's-or-above. Population is roughly 210 with a median age of 32. Owners hold 100% of homes, renters 0%. Vacancy runs 84.9%, above the national norm and a classic distress-and-opportunity signal. There are about 426 housing units across 86038. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $43,939 — below the roughly $78,000 national figure. The typical home is worth about $236,700 (6.1× income).

On the whole, 86038 leans distressed, with opportunity clustered in specific stressed parcels. While 86038 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 86038 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Coconino County, Arizona and the nation. 86038 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 86038's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 86038 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.