ZIP 86320 Foreclosure, Tax-Lien & Distress Report

In Coconino County, Arizona, ZIP 86320 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are construction/permit lag (89/100), structural risk (57/100), institutional ownership (9/100). By contrast, institutional ownership (9/100) and mortgage stress (6/100) register low. Environmental exposure also runs high (climate & FEMA risk (93/100)). Structural exposure scores 57 and live distress 2 on the 0–100 scale.

The peak-phase market in 86320 posted values that rose 1.4% over the year, 1.6% off the recent peak, at 14/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $43,553, median income runs below typical U.S. levels. Vacancy runs 17.9%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 86320 scores 28/100. Around 13% of adults hold a bachelor's degree or higher. There are about 1,188 housing units across 86320. Home values center near $184,500, an affordability ratio of 4.3×. The poverty rate is 17.9% — high, a tax-stress and distress correlate. About 2,482 people live here, median age 59. Around 0% of renters are cost-burdened. Owners hold 88% of homes, renters 12%.

On the whole, 86320 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 86320 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 86320, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

86320'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, 86320 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.