ZIP 86039 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 86039 in Navajo County, Arizona comes in at 24, a low composite-distress reading. Latent structural risk is 54/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (84/100). Property-level stress concentrates in construction/permit lag (71/100), structural risk (54/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (11/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,373 with a median age of 45. DLRadar's demographic-stress index for the area reads 27/100. The tenure split is 96% owner-occupied to 4% rented. The vacancy rate is 26.0% — elevated. The typical home is worth about $103,200 (3.2× income, relatively affordable). The ZIP holds roughly 703 housing units. Educational attainment sits at 14% bachelor's-or-above. Households earn a median $35,855 — below the roughly $78,000 national figure. Rent burden reaches 0% of tenant households. The poverty rate is 28.0% — high, a tax-stress and distress correlate.

Net-net, 86039 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 86039 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 86039 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Navajo County, Arizona and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 86039 shows blanks, not estimates, wherever the record is sparse.

86039'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. The point of the 86039 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.