ZIP 86054 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 86054 (Navajo County, Arizona) at a low 24/100 for overall property distress. What sets it apart are the readings on construction/permit lag (74/100), structural risk (54/100), institutional ownership (12/100). By contrast, institutional ownership (12/100) and mortgage stress (10/100) register low. Latent structural risk is 54/100 while live distress already moving reads 3/100. Climate and flood risk are elevated too — climate & FEMA risk (84/100).

Prices here sit in a peak phase: values rose 0.6% over the trailing year, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 70% of homes, renters 30%. Population is roughly 1,460 with a median age of 47. Educational attainment sits at 5% bachelor's-or-above. Around 25% of renters are cost-burdened. At $24,844, median income runs below typical U.S. levels. The typical home is worth about $77,800 (3.0× income, relatively affordable). The poverty rate is 28.3% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 34/100. The ZIP holds roughly 783 housing units. The vacancy rate is 28.4% — elevated.

On the whole, 86054 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 86054 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 86054 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 86054 stays directly comparable to neighboring ZIPs and the rest of Navajo County, Arizona. Where the public record is thin for 86054, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 86054 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. For a buyer, 86054 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.