ZIP 86314 Foreclosure, Tax-Lien & Distress Report

ZIP code 86314 in Yavapai County, Arizona carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 63/100 against active distress of 2/100. The most distinctive pressure shows up in construction/permit lag (83/100), structural risk (63/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (74/100).

The market reads contraction — home values fell 2.2% year on year, 3.4% off the recent peak, and 7% higher over three years, at 46/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

66% of housing is owner-occupied. A median home runs $387,000 here, or 5.4 times local income. Roughly 12.8% live below the poverty line. There are about 17,592 housing units across 86314. About 40,109 people live here, median age 43. Vacancy runs 3.8%. Rent burden reaches 44% of tenant households. At $67,263, median income runs below typical U.S. levels. Around 23% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 37/100.

On the whole, 86314 leans distressed, with opportunity clustered in specific stressed parcels. 86314 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 86314 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 86314 can be compared directly against any other ZIP in Yavapai County, Arizona or nationwide. Sparse data for 86314 shows as blanks, never estimates, and the score updates on every fresh public filing.

86314'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. For a buyer, 86314 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.