ZIP 86044 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 86044 (Coconino County, Arizona) returns a low composite of 23/100. Latent structural risk is 51/100 while live distress already moving reads 3/100. Climate and flood risk are elevated too — climate & FEMA risk (69/100). The most distinctive pressure shows up in construction/permit lag (92/100), structural risk (51/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (11/100).

The market reads peak — home values rose 2.1% year on year, at 15/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

74% of housing is owner-occupied. At $28,190, median income runs below typical U.S. levels. Vacancy runs 21.9%, above the national norm and a classic distress-and-opportunity signal. About 7% have a four-year degree. There are about 1,400 housing units across 86044. Rent burden reaches 17% of tenant households. The typical home is worth about $60,800 (2.2× income, relatively affordable). The demographic-stress sub-score lands at 33/100. Population is roughly 3,090 with a median age of 39. 44.8% of residents fall below the poverty threshold.

Net-net, 86044 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 86044 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 86044 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. 86044 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 86044 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 86044 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.