ZIP 86045 Foreclosure, Tax-Lien & Distress Report

Coconino County, Arizona's ZIP 86045 registers 25/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (96/100), structural risk (56/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (5/100) stay muted. Structural risk reads 56/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (94/100).

The market reads neutral — home values rose 2.9% year on year (phase confidence 24/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $49,559, below the U.S. median near $78,000. Rent burden reaches 13% of tenant households. Owners hold 62% of homes, renters 38%. On demographic stress specifically, 86045 scores 27/100. 29.4% of residents fall below the poverty threshold. The typical home is worth about $68,200 (1.4× income, relatively affordable). The vacancy rate is 16.0% — elevated. Population is roughly 10,691 with a median age of 34. About 16% have a four-year degree. The ZIP holds roughly 3,753 housing units.

Taken together, 86045 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 86045 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 86045's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 86045 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 figure for 86045 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 86045 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.