ZIP 86315 Foreclosure, Tax-Lien & Distress Report

ZIP code 86315 in Yavapai County, Arizona carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. The pressure is most legible in construction/permit lag (83/100), structural risk (63/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (74/100). On the structural side it scores 63/100, with 2/100 of stress already active.

The market reads contraction — home values fell 2.2% year on year, 3.4% off the recent peak, and 19% higher over three years (phase confidence 46/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

At $96,236, median income runs above typical U.S. levels. About 9,179 people live here, median age 53. The demographic-stress sub-score lands at 28/100. There are about 4,533 housing units across 86315. 7.0% of residents fall below the poverty threshold. Educational attainment sits at 32% bachelor's-or-above. The typical home is worth about $533,600 (5.2× income). The vacancy rate is 12.0% — elevated. Rent burden reaches 8% of tenant households. The tenure split is 87% owner-occupied to 13% rented.

Taken together, 86315 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 86315 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 86315 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 86315 stays directly comparable to neighboring ZIPs and the rest of Yavapai County, Arizona. 86315 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 86315 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 86315 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.